Development Finance | Posted October 26, 2021

Semi-Commercial Finance: Client Refinances Property Worth £245,000

We recently sourced commercial finance worth £245,000 for a client based in Newcastle-Upon-Tyne who needed to refinance a semi-commercial, non-essential retail property.

This client came to us directly after having worked with us numerous times, and were looking to redeem a private funder loan that they had taken out on their security property.

In total, we’ve completed on 5 cases for this client, who have been delighted with our services each time.

What were the client’s objectives?

The client, who is based in Newcastle-Upon-Tyne, was looking to refinance semi-commercial, non-essential retail premises with flats above.

The client required finance with a swift turnaround in order to complete the work required.

What solutions did we offer?

We initially approached the cheapest interest rate lender available, however their surveyor’s valuation report fell short of the client’s estimated value.

As a result, we went to a lender who we had used previously with this client, who were more expensive but had a good understanding of the client’s business model and offered a slicker service.

The lender also instructed a surveyor who had more knowledge about the local market. The market value came in higher than the previous lender’s valuation, which meant a more attractive overall deal was available.

How did we ensure success?

Our experienced team guided our client through the entire process, and utilised our strong, long-term relationships with lenders to identify the best finance solution to suit their requirements within a short timeframe.

The client was then able to refinance the property they required, and was thoroughly impressed by our services. The client has since made another enquiry with us as a result.

When asked about our work, the client said:

“I have worked with Finance 4 Business for the past 6 years and in that time we have completed 5 commercial mortgage transactions together. I have found that Finance 4 Business have access to lenders who can understand my case specific circumstances and they offer a great service to find the best solution possible. I have worked with Ryan & Emma over the course of the 4 years and they have the expertise to navigate me through the different options as well as being able to assist me with the clerical parts of the application process.

“I am a property developer and portfolio landlord, so it is essential that I have a broker who can work with me to source the right lender for my properties with a slick service. I will definitely be approaching Finance 4 Business again once I have finished my next project and I would highly recommend using Finance 4 Business for commercial mortgages and buy to let mortgages.”


  • Loan worth £245,000 provided for a semi-commercial property in Newcastle-Upon-Tyne
  • Our team switched lenders swiftly and efficiently, allowing our client to access the finance

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