Buying your premises, explained
Practical guides to the money side of buying and owning the premises your business trades from, from weighing rent against a mortgage to understanding how lenders read your accounts. We are a broker, not an accountant or lawyer, so always confirm your own position with a professional adviser.
Deposits and Costs When Buying Premises
The full cost of buying business premises: the deposit, arrangement and legal fees, valuation, stamp duty, VAT and ongoing costs, with practical budgeting tips.
GuideHow Lenders Read Your Accounts
How lenders assess business accounts for a mortgage: profit, add-backs, debt service cover, turnover trend and how to present a strong owner-occupier case.
GuideMoving Premises Without Killing Cash Flow
How to move business premises without killing cash flow: sequencing a buy and a sale, using bridging to buy before you sell, and phasing fit-out costs.
GuidePersonal Guarantees Explained
What a personal guarantee on a business mortgage means, how it sits with limited liability, what is at risk, and how to reduce or cap the guarantee ask.
GuideRent or Buy Your Business Premises
Should you rent or buy business premises? We weigh flexibility against control, cost and equity, and explain how an owner-occupier purchase gets funded.
GuideVAT on Commercial Property Purchases
How VAT on commercial property works when buying premises: the option to tax, reclaiming VAT, TOGC, and funding the up-front VAT gap with short-term finance.
Tell us about the premises
Send us the details of what you are buying or refinancing and how the business trades, and we will come back with indicative terms. There is no charge to enquire.