Commercial Property Finance UK: The Complete Guide
Property Finance · December 2024 · 8 min read
How commercial property finance works in the UK, from bridging and development to term debt. A complete guide for investors and developers raising capital.
Commercial property finance is the backbone of real estate investment in the UK. Whether you're acquiring your first buy-to-let property or expanding a multi-million pound portfolio, understanding your financing options is crucial to maximising returns and minimising costs.
At Unicorn Capital Advisory, we've arranged over £1.2 billion in property finance across more than 1,000 deals. This guide distils our experience into actionable insights for property investors at every level.
Key features: - Loan terms typically 15-25 years - Interest rates from 4.5% depending on LTV and property type - Loan-to-value (LTV) ratios up to 75% - Available for offices, retail, industrial, and mixed-use properties
For owner-occupiers and investors, see our dedicated guide to [commercial mortgages in the UK for owner-occupiers and investors](/commercial-mortgages).
In this article
- Understanding Commercial Property Finance
- Types of Commercial Property Finance
- Commercial Mortgages
- Bridging Finance
- Development Exit Finance
- Investment Property Loans
- How to Strengthen Your Application
- 1. Demonstrate Property Experience
- 2. Prepare Comprehensive Financials
- 3. Work with a Specialist Broker
- Current Market Trends (2024-2025)
- Why Choose Unicorn Capital Advisory?
Offices
Registered and North of England office: Ayrshire Lodge, Brass Castle Lane, Nunthorpe, Middlesbrough, TS8 9EB.
London office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.
Telephone +44 7746 212528. Email som@unicorn-commercial.co.uk
Unicorn Capital Advisory is a trading name of Unicorn Capital Advisory LLP (LLP No. OC459692). Finance is arranged for business purposes only and is not regulated by the Financial Conduct Authority.
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