Case Studies

At Key Commercial Finance we pride ourselves on having the expertise to help a wide range of businesses and property professionals secure finance for their many types of projects.

Providing trusted advice for over ten years has put us at the forefront of specialist finance enabling us to help customers get the funding they need at the most competitive rates and on the best terms.

Whether finance is required for new build schemes, acquiring unmortgageable property, renovating buy to lets and HMOs or changing the use of a building, our knowledgeable team can help deliver finance for business cash flow, commercial developments or residential investment premises by sourcing funding from the whole of the market. Get in touch to see how Key can get your project moving forward.

Here are just a few examples of how clients were able to move forward with Key Commercial Finance:

How are lenders reacting to the current economic situation? High street lenders The main Banks have definitely toned down their appetite. A number have virtually closed their doors to new loans. Others have reduced the scope and level of their appetite. In short lenders are more cautious. Buy to let lenders and challenger Banks These lenders have made some modifications
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Our client, an experienced property investor sought to acquire semi-commercial/multi-let unit. As he had no cash to put into the deal, he offered two properties already owned (one was semi commercial) as collateral-both of which were already mortgaged to a high street Bank. Further complication was that some of the residential units in the new purchase were small – less
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Our client was looking for £115k business loan to cover a kitchen refurb & bar furniture for a 15 bed Hotel & Restaurant in the Yorkshire Dales. Our client took over the lease of the hotel 4 years ago. We approached our panel of lenders, receiving two offers. One offer was a lower loan amount but the rates and fees
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Our client had obtained a bridging loan of £126K 18 months previously to acquire a property at auction. They had carried out some renovation works to the property and wanted to refinance onto a term basis. The property was a maisonette flat in a row of 4 flats above 4 retail units, one of which was an off licence and
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In June 2018 we assisted clients with bridging finance to purchase a terraced house in Huddersfield for £270k. Their plans were to convert it to 4 apartments. Although they had previously undertaken light refurbishments of some BTL properies, this was a much more significant project. Conversion works costing c.£80k were fully funded by the client and progressed well. The clients wished
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Our client expected to purchase this 15.5 acre brownfield site from local authority and sell on to an end user on same day – ie a “back to back transaction”. The end user was to effectively fund the deal, with our client not contributing any cash (other than planning and professional fees). The end user withdrew two weeks before expected
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Our client had already purchased a piece of land using their own funds. Planning permission was in place for two 3 bed town-houses but the client had no further funds to complete the build. We sourced a facility to fund 100% of the build costs of £260k, with the first tranche of £80k released on day one. Client opted to
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Key Commercial Finance, the specialist commercial broker, has helped a client refinance a multi-unit freehold block of six apartments with a funding line of £532,910. The property, in Ossett near Wakefield, is owned by a limited company, who were looking to reduce the costs of the finance and to improve the cash flow of their business. The incumbent bank also
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We secured a Development Finance facility of £1.1m (58% GDV),  over 15 months. Our client purchased a 15 bed property in West Yorkshire with the intention of refurbishing the flats, retain the freehold, create leaseholds and sell. The refurb project is being undertaken by client’s existing business which is a specialist refurbishment contractor . Due to his experience we were
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We arranged a £106,795 interest only loan over 10 years with a fixed rate for 5 years for an existing client who came back to Key to source finance to facilitate the purchase of a residential investment property in Southport. Our client is an Italian citizen and only had one set of accounts. Having found no appetite to support this
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