Property Finance
Innovative and competitive finance packages secured against commercial property.
Commercial property finance is one of the most complex and varied areas of business lending. Whether you are acquiring investment property, funding a development project, refinancing an existing facility, or raising capital against your portfolio, the range of products, lenders, and structures available can be overwhelming — and the difference between a good deal and a poor one can amount to tens of thousands of pounds over the life of a facility.
Aberdeen Corporate Finance works with an extensive panel of high-street banks, challenger banks, specialist property lenders, bridging houses, and private credit funds to source the most competitive and appropriate finance for your specific requirements. As an independent broker, we are not tied to any single lender — we search the whole market on your behalf.
Why Use a Broker for Property Finance?
The commercial property lending market is fragmented, with hundreds of lenders offering vastly different terms, criteria, and pricing. A facility that one lender declines outright may be enthusiastically supported by another. Without expert market knowledge, borrowers frequently accept the first offer they receive — often from their existing bank — without realising that significantly better terms are available elsewhere.
By working with Aberdeen Corporate Finance, you gain access to our established relationships with 100+ specialist lenders, our understanding of each lender's appetite and criteria, and our ability to structure and present your proposal in a way that maximises your chances of approval at the best possible terms.
Our Property Finance Services
Commercial Mortgages
Competitive long-term finance for purchasing, refinancing, or raising capital against commercial property including offices, retail premises, industrial units, mixed-use buildings, and HMOs. Variable and fixed-rate options with flexible repayment structures tailored to your rental income and business projections.
Bridging Loans
Short-term finance from 1 to 24 months to bridge the gap between purchase and long-term funding. Ideal for auction purchases, chain breaks, refurbishment projects, and time-sensitive acquisitions where speed of completion is essential. Funds can often be arranged within 7–14 days.
Development Finance
Funding for ground-up developments, conversions, and major refurbishment projects. Finance is typically drawn down in stages as the build progresses, with interest rolled up into the facility. Suitable for residential, commercial, and mixed-use schemes across the UK.
100% Funding & Mezzanine Finance
Where a borrower cannot meet the full equity requirement, mezzanine finance can bridge the gap between senior debt and the total project cost. This layered funding approach can deliver up to 100% of the purchase price or development costs, subject to the strength of the proposal.
Non-Status & Self-Certification Lending
Specialist lending solutions for borrowers who may not meet standard bank criteria — including self-employed individuals, SPVs, offshore structures, applicants with adverse credit, or those unable to provide full financial accounts. We access niche lenders who assess each case on its individual merits.
Capital Raising & Refinance
Release equity from existing property assets to fund business expansion, acquisitions, tax liabilities, or new investment opportunities. We regularly arrange capital-raising facilities against commercial, residential investment, and mixed-use portfolios at competitive rates.
Key Benefits
When You Need Property Finance
Property Acquisition
Purchasing commercial premises for your business or as an investment? We source competitive mortgage terms from across the market, whether it is a single unit or a multi-million pound portfolio acquisition.
Refinancing & Rate Improvement
If your existing facility is approaching maturity or you are paying above-market rates, we can arrange a refinance to reduce costs, extend terms, or switch to a more suitable lender and product.
Property Development
From residential conversions to large-scale commercial developments, we arrange development finance with staged drawdowns, competitive interest rates, and exit strategies aligned to your project timeline.
Auction Purchases & Bridging
Need to complete within 28 days on an auction purchase? Bridging finance provides the speed and certainty required, with a clear exit route onto longer-term commercial mortgage finance.
Capital Raising
Unlock equity tied up in your commercial property assets to fund business growth, acquisitions, tax payments, or new investment opportunities without selling the underlying asset.
Portfolio Landlords & Investors
Specialist lending solutions for professional landlords and property investors with multi-property portfolios, including portfolio mortgages, SPV lending, and complex ownership structures.
How It Works
Initial Assessment
We discuss your property finance requirements in detail — the property type, purchase price or value, loan amount required, timeframe, and any specific challenges such as planning status, adverse credit, or complex ownership structures.
Market Search & Shortlisting
We search our panel of 100+ lenders to identify the most suitable options, comparing rates, fees, LTVs, and terms. We present you with a clear shortlist of the best available facilities.
Application & Packaging
We prepare a comprehensive lending proposal and manage the application process with your chosen lender, ensuring all documentation is presented to maximise your chances of approval.
Valuation & Legal Process
We coordinate with valuers and solicitors throughout the process, keeping all parties aligned and resolving any issues that arise to maintain momentum towards completion.
Completion & Drawdown
We oversee the final stages through to completion and drawdown, ensuring the facility is executed on the agreed terms and the funds are released on schedule.
Property Finance at a Glance
Max LTV on Commercial Mortgages
Fastest Bridging Completion
Specialist Property Lenders
Important Notice: Aberdeen Corporate Finance Limited acts as a commercial finance broker and introducer. We are not a lender and do not make lending decisions. All property finance facilities are subject to status, valuation, and lender criteria. Loan-to-value ratios, rates, and terms quoted are indicative and may vary depending on the property type, borrower profile, and prevailing market conditions. Aberdeen Corporate Finance Limited is not regulated by the FCA. We do not provide regulated mortgage advice for residential property.
Need Property Finance?
Whether you're acquiring, refinancing, developing, or raising capital against commercial property, contact us for a no-obligation consultation.
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