Business Mortgages

Finding property finance for your business can be challenging.

As ex lenders we know how banks work from the inside out. We have a large panel lenders that cater from start-up businesses through to listed companies and our enhanced KYL (Know Your Lender) process ensures we understand the in-depth criteria that lenders each work to.

Each lender is carefully selected and vetted to ensure we understand how they are funded and that their business is well capitalized to ensure they deliver the funding.

We pre-underwrite your application undertaking a full financial review asking the questions that the lenders will commonly raise. This is supported by our detailed and specialist lending report providing the information that the lender requires with a calculated affordability assessment. This then makes it clear for our lenders to underwrite and therefore approving your application quickly.

Our lending panel covers a large range of the market, so this enables us to take you to a high street bank or one of our specialist lenders depending on your requirements saving you time and money. We stay with our clients throughout the term of the loan and we will often work with you to look at how we can improve your finance options at the end of your term and be on hand if you have any problems.

Typical Lending Requirements

  • Premises Purchase: Many of our clients are already renting their property when they approach us, finance is available up to 100% of purchase for a discounted sale, typically up to 75% loan to value for most purchases and 100% for professional practices. Our assessment of the accounts, other income sources and assets enables us to place the mortgage with lenders catered to your requirements.
  • Values: Lenders finance against different values these vary from the value of the good will within the business, the open market value and the vacant possession value.
  • Refinance: We listen to our clients to understand their requirements and what is important with typical requests being low rates, flexible repayment options i.e. interest only or part capital interest payments, reduced or no guarantees, refinance of bridging finance, releasing equity to restructure business debt, short-term facilities, adverse credit, previous bankruptcies, 2nd charge finance, commercial refurbishment and extensions.
  • Types of Property: Retail units, offices, semi commercial, hotels, car parks, guest houses, bed & breakfast, restaurants, take away, cafés, serviced offices, industrial units, warehouses, care homes, pubs, holiday parks, golf courses, SIPPS, SAPPS and nurseries to name a few.


Case Studies:

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Being armed with all the relevant information at the outset.


Providing the highest standard of service for both our clients and lenders.

Long Term

Ensuring that the long-term goals of our clients are at the heart of everything we do.


Utilising our experience & relationships together with technology to improve the journey of our customers.

© 2018-2022 - Napex Finance Limited
Napex Finance Ltd is registered in England and Wales No. 11595149. Registered Office: 78 Loughborough Road, Quorn, Leicestershire, LE12 8DX All rights reserved. Napex Finance Ltd is authorised and regulated by the Finance Conduct Authority (FCA) No. 827051. The FCA does not regulate some mortgage contracts.