Commercial Finance

Whether you’re buying an apartment block, warehouse, office or an industrial estate we offer bespoke advice based on your requirements, taking out the right debt solution is crucial.

At Bluechip Financial, our panel of specialist brokers are experienced in finding fast-track solutions for every scenario. No matter the loan size, we will source the very best facility for your needs and circumstances. Our clients range from sole traders to businesses with turnovers in excess of £50 million.

To talk to a commercial finance specialist today, get in touch online or call us on 01202 692222. 

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    Experienced commercial finance broker explains options to a client

    Why use commercial finance?

    It’s rare for a business owner to be able to pay for a new property on their own. Commercial finances provide the additional funding an experienced or first-time developer needs to cover the cost. 

    Businesses can usually borrow up to 75% of the value of an owner-occupied commercial property. For buy-to-let mortgages, the amount of finance you can access depends on the potential income brought in by renting the property on the open market. 

    The FCA does not regulate some aspects of buy to let mortgages.

    What can you use commercial finance for?

    Mortgage loans of this type are tailor-made for purchasing any commercial property used for business purposes. Among many others, these include: 

    • Shops 
    • Factories 
    • Offices 
    • Warehouses 
    • Apartment blocks
    • Hotels 

    It’s important to note that the Financial Conduct Authority does not regulate commercial finance or mortgages. 

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    Commercial building with solar panels

    To talk to a commercial finance expert today, get in touch online or call us on 01202 692222. 

    What can you use semi-commercial finance for?

    Semi-commercial mortgages are intended for properties made up of both residential and commercial elements. These can include: 

    • Shops with flats above 
    • Buildings containing both offices and flats 
    • Owner-occupied guest homes 
    • Businesses operating from inside a home 
    • Pubs with accommodation 
    Local shops with unique colours in the united kingdom
    Commercial finance advisor speaking to client with a smile

    Why should you use a mortgage broker for commercial and semi-commercial finance?

    Before making a big financial decision, it’s always a good idea to speak with a professional first. They will have the knowledge and resources to negotiate the best deal on your behalf, saving you both money and stress in the long term. 

    At Bluechip Financial, our brokers have access to the entirety of the market. Thanks to over a decade and a half in the industry, they have strong relationships with lenders and are able to source the most competitive rates on your loan. 

    While we give advice on commercial mortgages, we may refer a commercial finance enquiry to a third party. In these cases, we will oversee every aspect of administration for you. We can also review your protection cover to ensure you’ve got the right insurance policy for any eventuality. 

    With financial advice tailored to your situation, you’ll have total confidence you’re getting the most value from your investment.