Commercial Mortgages

Commercial Debt Advice Should Begin Before the Lender Approach

When a business owner, property investor or commercial client requires finance, the natural starting point is often to establish which lenders may be prepared to provide funding. However, in more complex transactions, I believe this can overlook one of the most important stages of the process:...

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Where Does Lending Appetite Exist for Mixed-Use and Non-Standard Commercial Property?

Commercial property investment rarely fits neatly within a single lending category. While a straightforward, well-let commercial asset may sit comfortably within established lending criteria, mixed-use properties and more unusual commercial assets can require a different approach. A building combining retail and residential accommodation, a property with...

The Credit View: Looking Beyond The Headline Numbers In Commercial Lending

Commercial lending is rarely assessed on one number alone. A strong asset, profitable business or experienced borrower may form part of a compelling proposition, but each needs to be understood in the context of the wider transaction. At Henry Dannell, our approach to commercial...

Structuring a €120 Million Swiss Franc Refinancing Against a German Property Portfolio

Case Spotlight | What We’re Working On This Week The Client A European family office with a substantial portfolio of residential, mixed-use and commercial property assets. The portfolio is held through a layered structure of property-owning entities ultimately controlled by the family and benefits from a...

Funding International Expansion in Petrol Commodities Trading

Case Spotlight | What We’re Working On This Week The Client A UK-registered petrol commodities trader seeking to expand into a key international growth market through a newly established entity in Kenya. The Challenge The client had identified a significant opportunity to increase trading activity in...

Why Commercial Finance Should Be Structured Around the Business Plan, Not Simply the Property Value

Commercial property finance can easily become a conversation about the asset. What is the property worth? What loan-to-value will the lender consider? How much equity does the borrower need to contribute? Those are important questions. The property is the lender’s security and will inevitably...

What Yesterday’s MPC Vote Tells Us About the Direction of UK Interest Rates

Yesterday’s decision by the Bank of England to maintain Bank Rate at 3.75% was widely anticipated. The more important development, in my view, sits beneath the headline: the Monetary Policy Committee’s 6–3 vote and the reasoning behind it. Six members voted to maintain Bank Rate at...

Why Commercial Borrowers Should Think About the Exit Before They Agree the Debt

Securing commercial finance is only the beginning. The structure also needs to make sense when the debt needs to be repaid, refinanced or replaced. The exit should influence the structure from day one.

Commercial Finance Should Strengthen Your Business Strategy, Not Just Fund It

For many business owners, commercial finance begins with a transaction. Purchasing new premises. Refinancing an existing property. Expanding into a larger facility. Acquiring an investment asset. The focus is naturally on completing the deal. The most successful...

How Do EPC Requirements Affect Buy-to-Let Mortgage Planning?

For many years, buy-to-let investment decisions were driven by familiar considerations such as location, rental demand, borrowing costs and expected yields. Those factors remain fundamental, but another consideration has become increasingly important. Energy efficiency. As regulation evolves and lenders continue to refine their...