Delivering Speed & Certainty on an Owner-Occupier Commercial Mortgage

At a Glance

• Sector: Payments / Fintech
• Transaction: Owner-occupier commercial mortgage
• Loan features: 5.90% rate, £0 arrangement fee, 100% VAT funding
• Completion: 8 weeks
• Outcome: Seamless relocation + additional rental income

The Client

A fast-growing card payment solutions provider supporting SMEs across the UK. Following a sustained period of growth, the business had outgrown its premises and needed to secure a larger, long-term headquarters to support continued expansion.

The Opportunity

The client identified the chance to acquire a nearby office building they had previously leased – offering operational familiarity and strategic value.

The property also included an established third-party tenant, providing additional rental income and enhancing the overall financial strength of the acquisition.

The Challenge

This transaction required careful structuring and fast execution due to several complexities:

• Strict deadline: The client needed to vacate their existing premises within a fixed timeframe.
• Limited lender appetite: The payments sector is not widely supported across the lending market, restricting options.
• Mixed-use profile: Combination of owner-occupier space and investment income required a tailored approach.
• VAT funding: A cash-efficient structure was needed to manage VAT on the purchase.

The Solution

We leveraged our lender network and transaction management expertise to deliver a solution that balanced speed, certainty, and commercial competitiveness.

Working closely with all parties – including the lender, solicitors, and valuers – we structured and completed the deal within just 8 weeks.
Key terms included:

• Competitive 5.90% interest rate
• No arrangement fee
• 100% VAT funded via a dedicated VAT bridge facility

This ensured the client could proceed with confidence, without placing unnecessary strain on working capital.

The Outcome

• Successful acquisition of a strategic long-term business asset
• Additional income generated from the existing tenant
• Smooth transition into new premises with no disruption to operations
• Relocation deadline achieved with certainty