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One team, one conversation, built for £1m+ portfolios and multi-site acquisitions. We get it — so you don't have to keep explaining it.
We work with lenders who specialise in complex structures, not ones who'll stall the deal once they see yours. Your setup is an asset to us, not a problem.
No handoffs to junior underwriters halfway through. No re-explaining your portfolio to someone new in month three. One dedicated relationship from enquiry to keys.
Facilities £1m upwards, shaped to your portfolio — not squeezed into a product designed for a single-property purchase.
Corporate lending — sometimes called portfolio finance or large-loan commercial mortgages — is the market for commercial property borrowers with needs that don't fit standard product lines. That usually means facility size above £1m, multiple properties under one facility, SPV or trust ownership structures, or acquisition finance for multi-site transactions.
The corporate lending market is the smallest in UK property finance — probably 30–40 active lenders who'll look at £5m+ facilities — but deal values are the highest. Getting in front of the right three lenders from day one saves months compared to approaching the wrong ones. That's the single most important thing a broker does for you in this market.
Facility size, portfolio shape, ownership structure, timeline. We build a deal summary before approaching any lender.
We approach 2–3 lenders most suited to your structure. No mass-submission — every approach is warm and informed.
Written indicative terms from interested lenders. We negotiate pricing, covenants, and break clauses before formal submission.
Typical 8–16 weeks end-to-end. One dedicated team through valuation, legal, underwriting, and completion.
You own (or are acquiring) multiple commercial properties and want one facility rather than individual mortgages. Lower admin, single covenants, often sharper pricing. We structure the facility against the portfolio and negotiate terms directly with the lender's credit team.
Start your enquiryYour assets sit in one or more SPVs, a family trust, an LLP, or a mixture. Most lenders balk at anything past a straightforward limited company. The specialists we work with underwrite the structure itself — your accountant and tax position become inputs, not objections.
Start your enquiryA specialist broker like Norwest Insurance is the quickest route to the right corporate lending facility in the UK. With 120+ lenders on our panel and over 50 years of experience, we match your profile to the right lender before any hard credit check — so your first application is the right one. Call 0161 225 9200 or send a 60-second enquiry and we'll come back with a clear picture of what's possible.
Broadly £1m upwards, though some lenders in this space start from £500k for the right profile. Below £1m, standard commercial mortgages usually deliver better pricing; above, the terms negotiable on corporate lending typically beat off-the-shelf products.
Yes. SPV finance is standard in this market. Trusts — especially discretionary trusts and family trusts — need specialist lenders who understand beneficiary structures and signing authorities. We work with all the major SPV-friendly and trust-friendly lenders in the UK.
Yes. Portfolio refinancing onto a single facility is one of the most common reasons clients come to us. Benefits are usually lower total fees, negotiated covenants, and often better pricing versus individual mortgages. Downsides are cross-collateralisation — one asset's issues can affect the whole facility — which we'll walk through before structuring.
From enquiry to drawdown, typical timelines are 8–16 weeks — longer than standard commercial mortgages because the underwriting is more thorough and the facility itself is negotiated. Time-critical acquisitions can be accelerated with a senior bridge while the corporate facility completes.
Varies widely — facility-specific pricing rather than rate cards. Senior debt typically sits at base rate + 2–4%, mezzanine significantly higher to reflect subordinated risk. Rate depends on facility size, LTV, asset class, and borrower strength. We negotiate across the lender panel rather than comparing advertised rates.
Yes. This is the core difference between corporate lending and high-street commercial mortgages. You get a dedicated team from first call to completion — no handoffs, no 're-explain your situation to someone new' calls in month four. It's relationship-led by design.
Buying, refinancing, or owner-occupying — matched to the right lender from 120+.
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Learn moreTell us about your portfolio in 60 seconds. We'll come back with a clear view of who to approach and how — no obligation, no hard credit check.