Commercial Finance and Insurance

Owner-occupier premises


The benefits of owning your own trading premises, rather than renting them, are overwhelming. ‘Owning the asset’ means it can be used as collateral to secure business loans if they are needed, there are no landlord charges and it has a positive effect on the organization’s balance sheet.

Financial institutions are usually amenable to helping businesses acquire suitable business premises, the level of funding offered being influenced by the strength and performance of the business. Mortgages of up to 85% of the purchase price are possible, and up to 100% if the premises are being purchased by the existing tenants or if additional security is available.

How can One Financial Solutions help you?

One Financial Solutions is here to help you. We’ll talk to you about what you need and then introduce you to a specialist commercial finance broker who will work with you to secure a financial solution.

The commercial finance brokers we work with are acknowledged experts within the industry and have enviable relationships with a wide range of financial institutions throughout the whole of the market. They offer a complete service and can provide practical advice on all aspects of commercial finance. They can secure working capital, venture funding, development finance, bridging loans and asset-based finance schemes; help with business purchases and sales, including management buy-outs and buy-ins, and advise and assist with all aspects of share capital, proprietor loans, vendor deferment and mezzanine finance. They can also provide a lead role in liaising with all parties in these transactions including the financial institutions involved, accountants, specialized valuers and lawyers, and can write business plans, balance sheets, profit and loss statements and cash flow forecasts to support the proposal.

So, if you’re looking for help securing any type of commercial finance, please call us on 020 3714 9565, or ask us to call you by sending an email to



Bespoke Business Finance website

Commercial Owner Occupied Mortgages

The benefits of owning your own trading premises, rather than renting are hugely attractive – balance sheet strengthening, ultimate ownership of the underlying asset and not lining a landlord’s pocket, to name a few.
There is good appetite from lenders to fund the acquisition of business premises, with more aggressive funding possible dependent of the strength and performance of the underlying business. We have funded up to 85% of purchase price (and can achieve 100% if premises are being purchased by existing tenants at a discount or additional security is available).

At Bespoke Business Finance we are also able to arrange working capital funding and other long term finance for our clients’ businesses.

Owner Occupied Mortgages are supported by:

  • High St Banks
  • Commercial divisions of certain Building Societies
  • Specialist Lenders