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Commercial mortgages can be secured against most commercial or semi commercial properties.  These type of properties cover a wide variety; from retail units, offices and restaurants (with or without a residential element) to large scale industrial units. Baya financial have many lenders on our panel who cover this area, thus enabling us to help with most scenarios.

We can help finance semi commercial properties where the commercial element is deemed ‘smelly’ i.e. takeaway restaurants, which can typically be difficult to place.

We are familiar with dealing with “OpCo/PropCo” scenarios where one limited company owns the freehold (or leasehold) and a second company operates the trading of the business under an operating lease.

In an OpCo/PropCo scenario, most lenders will need to see a commercial lease in place prior to funding. There are some exceptions to this and we can always talk you through the options.

Vacant properties will usually require bridging finance until a formal let is achieved and longer-term finance becomes available.

We work closely with lenders that specialise in this area and can offer up to 75% LTV on both a capital repayment and interest only basis.

Development Finance

Whether you are looking at a ‘ground up’ project or converting existing properties, we can help.

Baya financial have access to a number of specialist development lenders, who cover all types of projects, for both commercial and residential developments.