Commercial property financing
Finance a property that supports your business plans.
Commercial lending looks closely at the asset and, for companies, the business behind it. We help you present both clearly and compare tailored terms.
Business property
Is it right for you?
Who it suits
Business owners
Buying premises for your own company to operate from.
Investors
Buying commercial property to lease to tenants.
Companies refinancing
Restructuring existing commercial property finance.
Step by step
How the financing works
- 01
Define the purpose
Owner use or investment changes how lenders assess the deal.
- 02
Choose the borrower
Borrowing personally or through a company affects documents and terms.
- 03
Present the financials
Business accounts, rental income and the asset’s valuation are reviewed together.
- 04
Agree tailored terms
Commercial terms are often tailored; we compare structure, not just rate.
Individual or company borrower?
Individual
Assessed mainly on your personal income and commitments, plus the property.
Company
Assessed on the company’s financial statements, trading history and ownership, often with personal guarantees.
Before you apply
What to prepare
What lenders look at, what it costs, and the documents you’ll usually need.
What lenders consider
- Property type: office, retail, warehouse or other eligible asset
- Owner use or investment, and any existing leases
- Business financial statements and trading history
- The valuation and location of the asset
Costs to plan for
- Down payment — typically higher than for residential property, depending on the lender
- Registration and mortgage registration fees
- Arrangement and valuation fees
- Insurance
Documents
- Trade licence, memorandum of association and company documents
- Audited financial statements and bank statements
- Tenancy agreements if the property is leased
- Property documents and valuation
Exact requirements vary by lender.
Our role
How Retention helps
Package the deal
We help present the asset and the business in the way lenders assess them.
Compare tailored terms
Structure, tenor, fees and covenants, not just the headline rate.
Coordinate stakeholders
Between the lender, your company, valuers and the seller.
Your advisors
Talk it through with the people who’ll handle it.
A Retention advisor guides you from the first comparison through to completion — and is there when you need a review.
Yes, many lenders finance companies, usually assessing financial statements and often requiring guarantees.
Usually, yes. Lenders set their own limits for commercial assets.
For investment property, lenders may consider existing leases and rental income when assessing the deal.
Finance a property that supports your business plans.
Tell us what you’re planning. An advisor will help you understand the next step.