Commercial Property Finance
Million Plus Private Finance arranges bespoke commercial property finance for high-net-worth clients, business owners, and investors. Facilities are structured through private banks and specialist lenders, aligned to the client’s wider balance sheet, asset quality, and long-term objectives, delivering discretion, flexibility, and capital efficiency.
Why Choose Million Plus Private Finance for Your Commercial Property Finance?
Commercial property finance requires more than a standard commercial mortgage. Million Plus Private Finance advises high-net-worth clients on complex commercial property financing across investment assets, owner-occupied premises, and development projects. Our advisers work closely with private banks and specialist commercial lenders to structure facilities around complex income, retained profits, international assets, and multi-asset portfolios. Interest-only and hybrid repayment profiles are commonly used to support liquidity management, while confidentiality, execution efficiency, and alignment with broader wealth planning remain central throughout.
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Speak directly with a senior Million Plus adviser to discuss your commercial property finance requirements. Our team works with high-net-worth clients and complex financial profiles, offering discreet guidance across commercial mortgages, property loans, and specialist facilities structured through private banks and non-bank lenders.
Million Plus Private Finance provides tailored commercial property finance for clients whose circumstances require a more considered lending approach. Facilities are arranged for investment properties, trading premises, mixed-use assets, and development opportunities, with each proposal assessed in the context of the client’s wider asset base, liquidity position, and long-term planning objectives.
Clients often present with complex income structures, retained profits, multiple property interests, or international exposure. Lending assessments focus on balance-sheet strength, asset quality, income sustainability, and clearly defined repayment sources. Where appropriate, interest-only commercial mortgages, hybrid repayment profiles, and bespoke commercial property loans are used to support cashflow management while maintaining prudent leverage aligned to the underlying asset.
Facilities are structured with conservative loan-to-value parameters appropriate to the property type, income profile, and overall financial position. This ensures lending remains resilient across market conditions and aligned with longer-term ownership and capital planning considerations.
Million Plus Private Finance coordinates valuations, lender engagement, and legal execution throughout the process, ensuring commercial property finance is delivered efficiently and discreetly. Whether supporting acquisition, refinancing, portfolio restructuring, or development, each facility is positioned to integrate seamlessly with the client’s wider commercial and personal wealth structure.
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Mortgage Closings
Commercial property finance for high-net-worth clients often involves a combination of investment assets, trading entities, development projects, and international holdings. Million Plus Private Finance operates across this complexity, arranging commercial mortgages and property loans that integrate seamlessly with a client’s broader financial position.
Clients frequently hold multi-asset portfolios that include commercial real estate, residential property, operating businesses, financial investments, and alternative assets. Commercial mortgage interest rates, leverage, and repayment profiles are assessed in the context of overall liquidity and capital efficiency rather than in isolation. This approach allows lenders to view the commercial property as part of a wider balance sheet, often enabling greater flexibility than standard commercial property financing routes.
For investment assets, commercial buy to let mortgages can be structured using interest-only or hybrid repayments to align with rental income and portfolio objectives. For owner-occupied premises, facilities are positioned to support business growth without over-constraining cashflow. Commercial property development finance is arranged with careful attention to planning status, valuation methodology, and exit alignment, ensuring funding supports delivery without unnecessary exposure.
International assets and cross-border income introduce additional complexity, particularly around currency, tax residency, and lender appetite. Million Plus Private Finance works with private banks and specialist lenders accustomed to these dynamics, ensuring commercial property financing remains commercially realistic and discreet.
Throughout the process, Million Plus Private Finance coordinates valuation instruction, lender engagement, and legal execution. The focus remains on structuring commercial property finance that preserves ownership, maintains liquidity, and aligns with long-term wealth and capital planning.
frequently asked questions
Mortgage Questions Answered
What is commercial property finance?
Commercial property finance refers to lending used to acquire, refinance, or develop commercial real estate, including offices, industrial units, retail premises, mixed-use buildings, and trading assets such as hotels. Facilities are typically structured based on asset quality, income characteristics, and the borrower’s wider financial position.
How does a commercial mortgage differ from a residential mortgage?
A commercial mortgage is assessed using criteria specific to commercial assets, including income sustainability, lease structures or trading performance, asset type, and repayment alignment. The borrower’s broader balance sheet and liquidity position are also considered as part of the overall assessment.
Can high-net-worth clients access interest-only commercial mortgages?
Yes. Interest-only commercial mortgages and hybrid repayment structures are commonly available where supported by asset quality, income profile, and repayment capacity. These structures are typically arranged through private banks and specialist commercial lenders.
How are commercial mortgage interest rates determined?
Commercial mortgage interest rates are determined based on asset type, loan size, leverage, repayment structure, and lender risk assessment. Pricing is typically assessed on a case-by-case basis, taking into account the borrower’s overall financial profile and the characteristics of the underlying asset.
Can commercial mortgage interest rates be fixed or variable?
Commercial mortgage interest rates may be fixed or variable depending on lender appetite, asset characteristics, loan structure, and the borrower’s broader financial position. Private banks and specialist lenders assess rate structure as part of the overall facility design.
Is a commercial mortgage calculator accurate for complex cases?
A commercial mortgage calculator can provide a broad indicative estimate. For complex cases involving trading assets, multiple properties, or non-standard income, lenders typically require a bespoke assessment supported by detailed financial and asset information.
Can commercial property finance be used for hotels and hospitality assets?
Yes. Commercial property finance can be structured for boutique hotels and hospitality assets. Lenders assess factors such as trading performance, asset condition, location, and management experience, with facilities designed to reflect cashflow characteristics and long-term asset value.
Can I obtain a commercial property loan for an owner-occupied business premises?
Yes. Commercial property loans are commonly used to acquire owner-occupied premises. Facilities are structured to align repayments with business cashflow, retained profits, and long-term operational requirements.
What is commercial property development finance?
Commercial property development finance supports the construction, conversion, or refurbishment of commercial assets. Funding is typically released in stages aligned to verified project progress, valuation milestones, and completion objectives.
Do I need a commercial property finance broker for high-value assets?
High-value or complex commercial property finance often benefits from adviser-led structuring. This approach supports effective lender selection, presentation of asset quality, and alignment of facility terms with the borrower’s wider financial position.
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From prime UK and international commercial property to development projects and complex investment portfolios, Million Plus Private Finance structures bespoke private finance solutions for high-net-worth clients. Senior advisers deliver discreet, flexible lending beyond high-street constraints.
