Commercial Mortgages
Long-term finance, arranged with the exit already in view.
A commercial mortgage is a twenty-year decision. It deserves the same rigour as any material transaction the client's accountant reviews, not simply the first quote the incumbent bank offers.
Investment
Single-let and multi-let investment properties, priced against income cover and asset quality.
Owner-occupied
Long-term secured finance for the trading business, often better value than the bank's first offer.
Portfolio refinance
Consolidation or restructure across multiple assets, typically to release equity or extend term.
Exit Strategy
A twenty-year mortgage still deserves an exit plan.
Refinance windows, break clauses, tenant covenant, business succession, the questions that matter in year seven should be answered in year one.
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