A specialist commercial mortgage broker for London

Specialist, not generalist

We have worked in property and commercial banking for more than twenty years and we have stayed in the same lane throughout. Most of that time was spent on the lender side: writing credit papers, sitting in committee, declining deals and approving them. That is what shapes how we structure and present a London commercial mortgage application now that we work on the broker side. We know what a credit committee needs to see, what triggers a decline, and where there is genuine flexibility as opposed to where a policy line is simply fixed.

We broker commercial mortgages and nothing else. Owner-occupier, commercial investment, semi-commercial (the unregulated cases), portfolio refinance, trading-business, commercial remortgage, commercial bridging and second-charge commercial. We do not place residential mortgages, residential buy-to-let, regulated bridging, asset finance or unsecured business loans. Those are separate markets with separate lenders and separate broker specialisms. We would rather be excellent across one product family than adequate across six. If you call us about a residential remortgage, a regulated semi-commercial case or anything else that requires FCA permission, we will say so on the first call and refer you to a regulated firm that handles it properly.

Across the past decade we have arranged in excess of £250M of commercial mortgages. Facility sizes from £150K to £10M+, terms of 5 to 25 years, and every mainstream sector: retail, office, industrial and warehouse, leisure and hospitality, healthcare and care homes, pubs and restaurants, MOT and forecourt, day nursery, semi-commercial shop with flats above (unregulated), mixed-use blocks, HMO blocks and holiday-let portfolios. In London the work runs the full width of the city, from a Class E unit on a Croydon high street to a Park Royal industrial freehold, a Canary Wharf office investment or a shop-with-flats parade in Walthamstow. See our illustrative case studies for the deal shapes we see most often.

Commercial mortgages are unregulated lending. They fall outside the Financial Conduct Authority's regulated mortgage perimeter, which means they are not covered by FCA conduct rules and we do not hold FCA authorisation. That position is normal rather than unusual: most commercial mortgage brokers operate the same way, because the products themselves are unregulated. What it does mean in practice is that the underwriting discipline we apply comes from years on the credit side, not from a regulatory obligation. A credit committee's standards do not soften because a product sits outside FCA scope.

Why a London commercial mortgage specialist

London is 33 separate planning authorities, 222 postcode outcodes and a commercial property market that changes character every few miles. Article 4 directions restrict permitted-development conversions in different terms in different boroughs. The Central Activities Zone runs its own office-retention policies. The 2021 London Plan designates 47 Opportunity Areas, from Old Oak and Park Royal to Croydon, the Royal Docks, Old Kent Road and Wembley, each with its own planning framework and its own effect on what a valuer will accept as comparable evidence. A national broker will not price that in. We do. The eight lenders we name and display marks for are Shawbrook, InterBay Commercial, LendInvest, Cynergy Bank, Lloyds, NatWest, Barclays and Santander. Behind those sit another eighty lender relationships, including Allica, Hampshire Trust Bank, Cambridge and Counties, YBS Commercial, Aldermore, Together, Paragon, OakNorth, Recognise, Reliance and Handelsbanken, plus the long tail of specialist commercial desks. For our working read on the market we publish through the year, see the London commercial property market in 2026. We do not default to whichever desk sponsored the last broker conference. We default to whichever desk will fund your deal cleanest, and we will tell you which one that is on the first call.

For a working read on the wider London commercial property landscape, see our 2026 London commercial property market piece.