AB Specialist Finance arranges commercial mortgages across the full spectrum of UK commercial property, from a single trading premises for an SME to multi-let investment portfolios held in pension funds, corporates and family offices. Whether you're buying, refinancing or restructuring, we structure the right capital, with the right lender, on the right terms.
Going to a generalist commercial lender for a specialist sector. Care homes, hotels and specialist trades need specialist lenders, not high-street commercial desks.
Commercial valuations often come back below purchase price, and lending is constrained against the valuation. The deal then needs more equity, fast.
Investment deals priced against the wrong read of the tenant's lease, covenant strength or break clauses. Credit committee declines at the last hurdle.
We know which lender funds which sector well, which doesn't bother, and which has just changed appetite. Saves wasted weeks on a wrong-route application.
We model the deal against realistic valuation outcomes, not the purchase price. You know what's actually fundable before you sign anything.
We structure the deal around tenant strength, lease length and break risk. Pricing reflects the real risk, not the headline rent roll.
Sector, condition, valuation expectation. Different sectors need different lenders and different valuation routes.
Trading accounts for owner-occupier or lease and covenant for investment. The story behind the rent matters as much as the rent itself.
Limited company, LLP, partnership, SIPP or SSAS. We align the borrower entity with the lender's appetite and your wider plan.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Commercial lending is where our senior team has spent careers. Sector-deep, lender-deep, deal-deep. No daisy-chained introductions, no template advice.
Owner-occupier mortgages are taken out by the trading business that uses the building. Investment mortgages are taken out by an investor letting the building to a third-party tenant. The lender's focus, criteria and pricing differ significantly across the two.
Typically 25% to 30% for owner-occupier, 30% to 35% for investment, and more for specialist sectors. SIPP and SSAS deals can effectively bring the deposit down through pension contribution toward the purchase price.
Yes. Most commercial lending actually sits inside limited companies, partnerships or LLPs rather than personal names. We arrange across each entity type and align the structure with your accountant's plan.
Six to twelve weeks from application to drawdown is typical. Specialist sector deals like care homes or hotels often take longer due to the depth of due diligence and the lender pool involved.
Yes. Commercial refinancing is one of our most common conversations, often capital raising for a new acquisition, restructuring debt onto a longer term, or extracting equity back into the trading business.
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