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Property Finance
Commercial Property Development Funding Solution
Client Overview Our client owns a substantial commercial property site and associated land, which is held within a pension company structure. The existing property portfolio had a strong asset base, with the site independently valued at approximately £22 million. The client identified an opportunity to maximise the potential of the site by undertaking further development and constructing three new commercial properties to enhance the value and future income potential of the
Portfolio Landlord Renovation Funding
A property investor approached Central Finance after identifying an opportunity to improve the value and rental performance of an existing buy-to-let property. The property was valued at £250,000, and the client wanted to release funds to complete a programme of renovations designed to make the property more attractive to tenants and increase the monthly rental income. Central Finance worked with the client to understand the property, the proposed works and the expected ren
Expanding a Buy-to-Let Portfolio
An existing client of Central Finance successfully exited a technology business and was keen to reinvest the proceeds into property as part of a long‑term wealth and income strategy. Following the sale, the client purchased a number of properties outright and also invested capital into a development site. As the client continued to build their buy‑to‑let portfolio, they approached Central Finance for support in funding additional acquisitions, while keeping the wider portfo
Funding Portfolio Growth
A new client approached us as an experienced property investor with an established buy-to-let portfolio and an existing retail unit in the Midlands. Having successfully operated one retail property, the client identified an opportunity to acquire a further retail unit for £600K+ to complement the existing asset and strengthen the overall portfolio. Despite a strong track record and clear investment rationale, the client’s own bank declined the application. The key challenge
Saving £50,000 on Commercial Finance
An existing client approached Central Finance looking to purchase the building their business was already trading from. Securing the property was a key strategic step, giving the business greater long-term stability and control over its operating premises while also turning a rental commitment into a valuable owner-occupied asset. The transaction required a commercial mortgage of just under £1.5 million. While the client had already received an offer from their own bank, th
Langley Business Systems
Langley Business Systems (Retail) Limited is a well-established & ambitious business supplying integrated EPoS Solutions, with a strong reputation for quality products and customer service. As the business continued to grow, the directors identified a clear opportunity to further strengthen their operations and future-proof the company. Central Finance worked closely with the directors to fully understand both the operational needs and long-term ambitions of the business. T
Bridging Loans
Amount raised: £550,000 Purpose of finance: Emergency Funding Raised for Property Purchase Type of finance: Bridging Finance – 100% The Client: An emergency case referred by a leading high street bank, Central Finance pulled out all the stops Our client was a very successful business lady who had just retired and was in the process of selling her care homes. She had exchanged contracts on 2 new build properties that she had bought for family members and at the 11th hour the
Commercial Finance
Amount raised: £1,225,000 Purpose of finance: Portfolio Property Loan Type of finance: Commercial Buy to Let Portfolio Mortgage – 100% finance raised. The Client: A challenging case where Central Finance were critical in raising funds to support the launch of a brand new clothing company. Our client was looking to support his sons in a new venture requiring significant cash input. Timing was critical to raise funds to ensure that product was in line with summer/winter colle
Development Finance
Amount raised: £950,000 Purpose of finance: Development of 2 Retail units and 10 flats Type of finance: 100% funded via Buy to Let Mortgages, Trading Business Loan and Development Finance The Client: Our client came to us with no development experience but a great opportunity to build out on a plot of land next to his shop. The plans were for 2 retail units and 10 residential flats, which the client wanted to build out and retain for long term income and investment. The clie
Renovation Finance
Amount raised: £650,000 Purpose of finance: New business premises for business expansion and purchase of premises Type of finance: 100% finance via Business Loan, Bridging Finance, Development Finance and Commercial Mortgage Client: Our client had an established café bar business and saw the opportunity in another city to replicate what they had…however the building was a Grade II Listed building that had been unoccupied for a number of years and significant investment would
Limited Company Mortgages
Amount raised: £1,350,000 Purpose of finance: Capital Raise for Business Investment for new business start-up Type of finance: Commercial Mortgage – 70% loan to value, 100% of funding requested. Client: Our client was an established buy to let investor who has been caught with the change in tax legislation on rental income and mortgage interest relief. The client was aware that changes were coming but hadn’t specifically looked at the financial impact that would have on their
HMO’s & Buy to Let
Amount raised: £270,000 Purpose of finance: Purchase of Redevelopment Property Type of finance: Bridging Finance @ 75% loan to value Client: Our client was struggling to find a lender to fund a commercial conversion to a HMO, Central Finance found the solution. The client had a number of HMO’s and had good track record. The opportunity came to purchase an old window showroom with residential accommodation upstairs and a separate workshop annexe with the potential to create 4
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