Straightforward Commercial Mortgage Advice from Local Experts
Whether you're buying your first commercial premises or expanding your property portfolio, WS Finance offers expert guidance and access to competitive mortgage solutions- all delivered with a personal, local approach.
Based in the East Midlands, WS Finance works closely with businesses across Nottinghamshire, Derbyshire and across the UK to arrange tailored commercial mortgage solutions. From high street shops to industrial units, offices and mixed-use properties, we understand the local landscape- and we know how to navigate complex finance requirements quickly and efficiently.
We’re not driven by volume- we’re driven by relationships. That means no call centres, no automated forms- just real people, sound advice, and a commitment to seeing your deal through to completion.
Access to a wide panel of lenders
Local, one-to-one service
Experience with complex cases and company structures
Transparent, efficient, and focused on your goals
Speak to our team directly for a no-obligation conversation about your commercial finance options.
What is Commercial Investment Finance?
If you're new to commercial investment finance, here's a simple explanation of what it is and how it can work for you.
A Commercial Investment mortgage is a type of loan designed to purchase or refinance commercial or semi-commercial properties that are let to tenants. This type of finance is akin to residential buy-to-let mortgages but tailored for commercial properties.
How Does a Commercial Investment Mortgage Work?
Here’s a quick overview:
Purpose:
These mortgages are used to buy or refinance properties intended for leasing to tenants, not for owner-occupation.
Rates and Fees:
Rates and fees are typically higher than those for owner-occupied commercial properties.
Assessment Factors:
Lenders consider several key factors when assessing your application:
Applicant’s Profile:
Your credit history, financial position, and experience in managing both residential and commercial properties are evaluated.
Property Strength:
A desirable property is one with good demand for leasing or sale, ensuring its value and income potential remain strong. A surveyor's report on these aspects plays a crucial role in the lending decision.
Lease Terms:
A robust lease, ideally with several years remaining, to a financially stable tenant is essential. The tenant's financial health is as important as the lease duration because a reliable income stream is critical.
Benefits of Commercial Investment Finance
Investment Opportunities:
Enables you to invest in commercial properties, expanding your portfolio and income potential.
Leverage Existing Assets:
Use the value of the property to secure funding.
Flexible Financing:
Various terms and structures are available to suit different investment strategies.
Explore Commercial Mortgage Options
Looking to purchase or refinance commercial property?
Submit your enquiry using the form below or contact our team directly to discuss tailored commercial mortgage solutions.
At Wenham Specialist Finance, we help businesses and investors secure competitive funding structured around their long-term objectives.