Commercial Mortgages & Business Property Finance Hub
Welcome to the Promise Money Commercial Mortgage Knowledge Base. Whether you are purchasing your trading business premises, acquiring commercial investments, refinancing retail units, or funding mixed-use developments, our 5-pillar guide delivers transparent underwriting rules, real interest rate mechanics, and expert borrowing strategies.
Explore Product Pillars:
Explore the 5 Knowledge Pillars
Our specialist commercial lending desk has structured deep-dive market insights across five core pillars below:
Pillar 1
Commercial Mortgage Basics
Understand loan mechanics, owner-occupier vs investment mortgages, LTV thresholds, and the core differences between business loans and property-backed commercial debt.
Pillar 2
Application & Underwriting Process
Step-by-step checklist from Decision in Principle to drawdown. Learn required financial accounts, underwriting timelines, DSCR stress testing, and commercial business proposals.
Pillar 3
Interest Rates & True Costs
Comprehensive breakdown of Bank of England Base Rate and SONIA margins, arrangement fees, dual legal representation costs, and interest-only vs amortising models.
Pillar 4
Property Strategy & SPV Structures
Advanced property investor playbooks covering Limited Company SPVs, Class MA permitted development conversions, industrial warehousing, and commercial equity release.
Pillar 5
Hacks, 100% Funding & Pitfalls
Specialist solutions to borrow 100% of purchase costs using secondary collateral, navigate adverse credit, utilize bridging transitions, and unlock green EPC discounts.
Specialist Commercial Desk
Looking to Fund Commercial Property?
Simon Carr and our senior commercial desk review complex applications across 90+ UK commercial lenders. Check your borrowing limits, obtain an indicative terms sheet, and secure competitive margins.
Promise Money is authorised and regulated by the Financial Conduct Authority (FCA). Borrowing against property carries risk.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.