Frequently Asked Questions for Commercial Finance

All types and sectors, including:

  • Freehold and leasehold purchases
  • Investment finance
  • Development finance
  • Bridging finance
  • Business finance
  • Factoring
  • Leasing
  • Trade Finance
  • Venture Finance
  • Turnaround Finance
  • Asset Finance

We are commercial brokers and packagers. Our staff has many years of experience raising commercial finance. UK Property Finance has an extensive lender panel. We are a business dedicated to helping applicants raise commercial finance.

Yes, UK Property Finance is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 667602.

We have a core panel of over 80 lenders, from prime lending to subprime lending. We can consider all circumstances, and because we lend our own funds, we can also find solutions for circumstances that other brokers may not be able to accommodate.

Our rates are determined by your current situation.

The more information you can provide us with about your business, the better. This may mean we’ll be able to offer you a lower rate of interest, comparable to that of high-street lenders.

If you have defaulted on previous debts or have been made bankrupt in the past, UK Property Finance can still provide short-term secured business loans from 1 to 24 months with no maximum borrowing amount. Commercial finance is provided on a case-by-case basis; each loan is customised to the borrower’s specific circumstances.

To obtain a loan, it is essential to present the lender with evidence of your ability to repay the loan and offer collateral in the form of residential, mixed-use, or commercial property. Our short-term business loans are accessible to individuals, limited companies, and partnerships and are not solely restricted to individuals with perfect credit histories.

We can lend you any sum between £20k and £10m, depending on the property and your circumstances.

When a business needs to access funds tied in with equity in an asset or multiple assets, such as an expensive machine or a fleet of vehicles, this is known as asset refinancing. Although most funds raised in this way are typically secured against assets that a company owns outright, asset refinance can also be arranged on assets that are still in finance, as long as the existing debt is repaid with the new credit arrangement. If you are thinking of securing credit against the equity in your business assets, then it is important to ensure that the items you are using as collateral for the loan are easily identifiable by means of a unique registration mark or serial code.

At UK Property Finance, we provide short-term business loans secured against all types of real estate. Unlike a traditional mortgage or a secured homeowner loan, commercial finance can be lent against undeveloped land, office units, buy-to-let buildings, licensed HMOs (houses with multiple occupancy), semi-commercial or mixed-use properties, retail units, and residential or commercial redevelopments.

A let-to-buy mortgage differs from a buy-to-let arrangement as it is specifically designed for homeowners and mortgage holders who want to move out of a property and rent it out for additional income. If you are seeking the necessary funds to buy a new home while retaining your current property as an investment opportunity, a let-to-buy mortgage is an ideal solution. Given the current sluggishness in the housing market, many homeowners are opting to buy mortgages to maintain ownership of their homes until property prices improve, with the aim of maximising their initial investments.

The London Interbank Offered Rate, or LIBOR, is a useful lending tool used by mainstream lenders and banks to determine the rate of interest across popular borrowing products such as mortgages and other secure financial facilities. LIBOR rates themselves are used when one bank lends surplus money to another, and they are updated daily at approximately 11.45 a.m. (UTC) by the British Bankers Association in a list of 10 different currencies and across 15 different borrowing periods ranging from 24 hours up to a year.

The LIBOR rate is the average interest rate charged by a large cross-section of banks that lend money to each other, and it is a useful tool for banks and building societies looking to make a profit from their surplus cash or save money whilst acquiring additional funds in order to boost their reserves.

The vast majority of lenders use the LIBOR rate as a means of fixing the cost of their own borrowing products. These rates are usually presented as a fixed percentage that is somewhat higher than the Bank of England base rate or the three-month libor rate. The LIBOR interest rate has a considerable influence on the cost of saving and borrowing money, which is why so many professionals and consumers monitor it.

The recent increase in the 3-month LIBOR rate can be attributed to the market’s volatility, which has resulted in a decline in interbank lending. A rise in the LIBOR rate occurs when there is a large demand for money. The 3-month LIBOR rate, on the other hand, has begun to fall dramatically, which is good news for anyone looking for mortgages or other secured borrowing choices.