Commercial Mortgages•Master Knowledge Base
Commercial Mortgages & Business Property Finance Hub
Welcome to the Promise Money Commercial Mortgage Knowledge Base. Whether you are purchasing your trading business premises, acquiring commercial investments, refinancing retail units, or funding mixed-use developments, our 5-pillar guide delivers transparent underwriting rules, real interest rate mechanics, and expert borrowing strategies.
Commercial Mortgage Basics
Understand loan mechanics, owner-occupier vs investment mortgages, LTV thresholds, and the core differences between business loans and property-backed commercial debt.
Application & Underwriting Process
Step-by-step checklist from Decision in Principle to drawdown. Learn required financial accounts, underwriting timelines, DSCR stress testing, and commercial business proposals.
Interest Rates & True Costs
Comprehensive breakdown of Bank of England Base Rate and SONIA margins, arrangement fees, dual legal representation costs, and interest-only vs amortising models.
Property Strategy & SPV Structures
Advanced property investor playbooks covering Limited Company SPVs, Class MA permitted development conversions, industrial warehousing, and commercial equity release.
Hacks, 100% Funding & Pitfalls
Specialist solutions to borrow 100% of purchase costs using secondary collateral, navigate adverse credit, utilize bridging transitions, and unlock green EPC discounts.
Why Choose Promise Money for Commercial Property Lending?
Since 1989, Promise Money has structured tailored property debt for business owners, corporate entities, and seasoned property investors. With access to over 90 specialist UK commercial lenders, challenger banks, and institutional debt funds, we identify viable financing solutions where high-street banks decline complex structures.
- Whole-of-Market Reach: We partner with prime, challenger, and niche private debt funds across England, Scotland, and Wales.
- Owner-Occupied & Investment: Tailored debt solutions for trading businesses purchasing their own freehold as well as portfolio landlords acquiring commercial assets.
- Flexible Leverage: Standard terms up to 75% LTV, with bespoke 100% commercial purchase structures backed by additional asset equity.
- Direct Specialist Support: Work directly with seasoned commercial lending managers who understand company accounts, lease covenants, and tax-efficient SPV structures.
Looking to Fund Commercial Property?
Simon Carr and our senior commercial desk review complex applications across 90+ UK commercial lenders. Check your borrowing limits, obtain an indicative terms sheet, and secure competitive margins.