Supporting a First-Time Commercial Purchase

A client approached us looking to acquire their first trading premises – a key milestone aimed at securing the long-term future and stability of their business.

Key Challenges

• First-time commercial borrower: Required careful positioning to give the lender confidence in both the business and repayment capability
• Changing security: The proposed security property changed midway through the application, adding complexity and requiring fast adaptation
• Maintaining momentum: Ensuring the deal progressed without unnecessary delays despite structural amendments

Our Approach

We worked closely with a Tier 1 lender, maintaining clear and consistent communication throughout the process. When the security changed, we were able to keep the application live, making a targeted amendment to reflect the revised asset rather than restarting the process — preserving both time and momentum.

By proactively managing the lender relationship and addressing concerns early, we ensured confidence remained strong despite the changes.

The Outcome

• Funding secured with a Tier 1 lender
• 75% Loan-to-Value (LTV)
• 2.89% margin above base rate
• 15-year repayment term
• Application successfully amended without needing to restart