Commercial Mortgages

Commercial Mortgages

Mortgages for commercial properties, property investment businesses and property developers

We have access to a wide range of commercial lending solutions and can help your investors and developers who have more specific or niche requirements. Lenders we work with can provide finance for the following:

Trading businesses 

Semi-commercial (such as a shop with a flat above)

Mixed portfolio

Standard commercial property

Single residential property

Multiple units on one title

HMO/student lets – investment valuation /brick and mortar valuation

Portfolio finance

Blocks of flats/student apartment blocks

Property development projects – any number of units

Land acquisition

Construction finance

Is it possible to obtain 100% funding for a property development project?

We were approached by a broker; whose music producer clients wanted to expand their business by purchasing their own recording studio. Our expert team was able to secure a commercial mortgage with:

  No arrangement fee

 No Early Repayment Charge (ERC)

 77% Loan to value

 A cross-charge over properties 

 Minimal deposit, strong accounts

 Deposit from a Trust

 A high street lender


Currently renting studio time, they felt in order to achieve their business growth targets, they needed their own premises with unrestricted access, and in fact with a possibility to earn their own rental income.

To make this dream a reality, we used two commercial businesses for affordability, help set up a new Special Purpose Vehicle (SPV) for the expansion plans. Took a cross charge over the premises and one of the Director’s main residence, due to the security needed.

6 Great Reasons to Choose Clever Lending

Fund up to 100% of projects
We can help investors and developers secure up to 100% of their commercial property and property investment businesses projects

Solutions for complex cases
Each case is assessed individually, and a solution recommended according to the circumstances

Bad credit accepted
We have a flexible underwriting approach to applicants who have adverse credit

Hundreds of products
Commercial loans available from £25,000 with no maximum. Fixed and variable rates with up to 100% LTV

We can handle case directly
We will work with you to get the right solution in place, or if you wish, deal directly with the customer on your behalf

Fast and convenient
Manage and track all cases at any time from any device using our online broker portal, Clever+

Why use a specialist distributer?

Gone are the days of a ‘computer says no’ process when it comes to lending. You will have customers in a wide range of circumstances who need finance and the best solution may not be immediately obvious.

That’s where we step in. We can help by:

• Reviewing cases thoroughly and sourcing the most appropriate lender and product for each customer – giving you more time to deal with the more straightforward applications

• Turning your applications around quicker. From completing the fact-find, to collating documents, we can free up your time so you can concentrate on helping more customers

• Providing recommendations to your customers and being responsible for any advice we give

• Improving your customer relationships by ensuring they receive appropriate advice in specialist areas from product experts. This will ensure we offer solutions that best meet their needs

• Giving you access to products from a large panel of lenders – some of which you may not be able to access elsewhere

About Clever Lending

We will do everything we can to ensure your cases complete and provide your customers with the most suitable products for their individual circumstances. We provide:

  • Expert product knowledge on the latest products with some of the lowest rates on the market
  • A flexible service working either with you on a case or dealing with customers directly – whichever you prefer
  • Competitive commission rates
  • A fully compliant service with clear audit trails helping you with any regulatory obligations

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Latest lending criteria.