COMMERCIAL FINANCE

It is generally considered that owning a commercial property is the cheaper option than renting one. It’s certainly one with more potential to contribute to the overall financial strength of the business and our team of advisors are on hand to identify the most suitable finance options. The rates achievable here are determined by both the company and sector’s strength, as well factors such as location, asset class and deposit. Our advisors have the knowledge to consolidate this information, understand the most suitable lenders, and present the case to those lenders in the best possible light.

The acquisition of commercial property for long-term rental yield and capital gain can present investors with robust returns and this type of commercial mortgage demands in-depth analysis of the lease, tenant and building itself. Sector expertise is a key element in successfully securing the best terms on a commercial mortgage. Here are some examples of commercial transactions in which we can demonstrate both expertise and experience.

Strong relationships with high street banks and the growing number of alternative lenders mean that at Sirius, we have numerous options for securing finance for rental investment or development in the healthcare space, including later living developments, nursing homes and medical centres.

We have a wealth of expertise, experience and longstanding lender relationships within the highly specialised sector of hotels, food and beverage. Our advisors can add value at every stage of the process to meet an investor’s exact requirements, whether its acquisition of an existing property, refurbishment or development. Based on the unique variables of your project we will know the most suitable funding options and how to secure them.

Student accommodation has attracted a substantial amount of investment in recent years from both overseas and domestic equity. This demand has been recognised by lenders and the influx of new lenders in this space has been significant. At Sirius, we have made it our business to stay on top of the latest developments in this sector to ensure we have the in-depth knowledge and relationships to identify the most suitable lender and negotiate the best terms for our clients.

We frequently work with investors who require acquisition finance to buy and let out office space, as well as or owner occupiers who want to purchase their existing rented trading premises, move office or expand.

One area where we have seen particular demand is businesses that want to acquire a whole office block in which they will occupy some of the space and then rent out the remaining office units. This type of transaction is too complex for many banks, but at Sirius we have strong relationships with a number of lenders that specialise in this type of transactions. As with all of our sectors of expertise, we will work with a client to identify their specific requirements and find a way to meet these requirements on the best terms.

In the retail space we have a lot of experience working with clients who are looking for a commercial mortgage to purchase and/or refurbish a shop or retail outlet. Lenders will want to understand the business plan as part of their decisioning process and we can assist you with presenting your business plan in the best possible light. In doing this, we are able to use our knowledge about how lenders assess risk and analyse expected business performance, and we leverage our relationships with the lenders to secure you the best possible terms.

We have experience of working with a multitude of professionals such as medical practices, dentists and key services to place them with lenders most suited to their niche and identify the solutions that are best matched to their individual circumstances.

Lenders have a mixed appetite for HMOs. Many are cautious and impose strict requirements and criteria, whereas others are more comfortable in the space and able to assess an application on its merits. At Sirius, we are able to guide both budding and experienced HMO owners through the process of meeting the criteria to secure the best structure and rate for the loan that they require.