Commercial Finance


Commercial finance covers a broad spectrum of lending, but the most common areas include:

Owner occupied/trading businesses – aimed at trading businesses looking to purchase or refinance their own premises

Commercial investment loans cover any commercial or mixed use properties that are being purchased for rental return and capital gain

Residential investment loans cover larger transactions such as portfolios or apartment blocks or specialist properties such as HMOs or student let properties that are being purchased for rental return and capital gain

Asset finance for businesses that require financial fluidity


Types Of Finance Covered Include:


We can provide first charge lending on a wide variety of properties including:

  • Multiple units/apartment blocks
  • Single freehold units
  • Flats above commercial premises
  • Retail units, industrial units and warehouses
  • Single offices/office blocks
  • Forecourts and petrol stations
  • Public houses, restaurants, hotels and guest houses
  • Care/nursing homes, child day care nurseries
  • Holiday and caravan parks



Bridging Loans


Bridging finance is a short term loan, secured against property or land and is used to "bridge" the gap, until longer term finance can be arranged or the underlying security is sold. The key to the success of a bridging loan is to ensure that a viable exit strategy is firmly in place upon application.


Types Of Lending Covered Include:


1st, 2nd and 3rd charge loans on any type of property including:

  • Residential
  • Commercial
  • Semi commercial
  • Land (with planning permissions)


This type of advice will be made by way of referral to industry specialists.

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Richard Vale Mortgages Ltd. a trading style of Richard Vale is an appointed representative of the highly respected Mortgage Support Network Ltd. Registered Address in England & Wales. Registration Number 06422675. There may be a fee for mortgage advice, the precise amount will depend on your circumstances. Think carefully before securing other debts against your home. YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. © Richard Vale Mortgages Ltd