What commercial property finance covers
Commercial property is one of the largest single decisions most businesses make. We finance owner-occupied premises, investment property, mixed-use development, and refinancing of existing commercial mortgages — across the UK and our 28 international jurisdictions.
The 1.5% APR is dramatically below standard commercial mortgage rates (typically 6–9% in the current market). For a £2 million commercial property loan, the rate difference alone can mean £100,000+ in annual savings.
Who this loan is for
- Owner-managed businesses purchasing their first commercial premises
- Established businesses moving to larger or better-located premises
- Property investors building or refinancing a commercial portfolio
- Developers funding ground-up or refurbishment projects
- Multi-site businesses funding regional expansion or new locations
- International businesses establishing UK presence, or vice-versa
- Businesses refinancing high-rate commercial mortgages from traditional banks
We refinanced our existing commercial mortgage from 7.4% to ASAF's 1.5%. The monthly saving covers a senior hire. We are growing the team out of the rate spread alone.
How commercial property loans are structured
Commercial property loans are typically structured over 10 to 25 years, with monthly repayments at 1.5% APR. Loan-to-value ratios depend on the property type, location, and your business profile — typically up to 75% LTV on owner-occupied UK property, up to 65% on investment property, and case-by-case for development.
For development finance, we structure the facility with staged drawdown aligned to construction milestones — site purchase, foundations, structure, fit-out, completion. You pay interest only on funds actually drawn, which keeps the total cost dramatically lower than borrowing the full amount upfront.
Commercial property loans are typically secured against the property itself (first legal charge). For larger or more complex deals, we may also take a debenture over business assets. Personal guarantees are required only in exceptional circumstances.