# Evolve Commercial Finance > Commercial property finance to help your business evolve --- ## Pages - [Contact Us](https://evolvecommercialfinance.co.uk/contact-us/): Brokers specialising in bridging, development and secured loans for businesses and buy-to-let. Get in touch with Evolve Commercial Finance today. - [Commercial Mortgages](https://evolvecommercialfinance.co.uk/commercial-mortgages/): Helping businesses find the best commercial mortgages. Speak to Evolve Commercial Finance, whether you’re purchasing your own property or buying to let. - [Specialist Buy-to-let](https://evolvecommercialfinance.co.uk/specialist-buy-to-let/): Scouring the market for mortgage products for portfolio landlords, limited companies. Contact Evolve Commercial Finance for advice and specialist options. - [Bridging Finance](https://evolvecommercialfinance.co.uk/bridging-finance/): For fast access to short-term cash, a bridging loan could be the perfect solution. Speak to Evolve Commercial Finance about your needs. - [Development Finance](https://evolvecommercialfinance.co.uk/development-finance/): Access a vast range of development finance options today. Choose Evolve Commercial Finance to bring your expansion or refurbishment project to reality. - [Case Studies](https://evolvecommercialfinance.co.uk/case-studies/): Read the latest case studies from Evolve Commercial Finance here - [Commercial property finance to help your business evolve](https://evolvecommercialfinance.co.uk/): Brokers specialising in bridging, development and secured loans for businesses and buy-to-let. Take the next step with Evolve Commercial Finance. - [About Us](https://evolvecommercialfinance.co.uk/about-us/): With thousands of commercial mortgage products available to us, learn what makes Evolve Commercial Finance a leading broker for businesses. - [Testimonials](https://evolvecommercialfinance.co.uk/testimonials/): Hear what our client say about working us and learn what makes Evolve Commercial Finance a leading broker for businesses. - [Blog](https://evolvecommercialfinance.co.uk/blog/): Read our latest posts from the commercial finance industry. --- ## Posts - [Can I Get a Mortgage in the UK as an Expat Living Abroad?](https://evolvecommercialfinance.co.uk/can-i-get-a-mortgage-in-the-uk-as-an-expat-living-abroad/): If you’re an expat living abroad and dreaming of owning a property in the UK, you might be wondering whether... - [Why It’s a Smart Idea for Business Owners to Purchase Their Premises](https://evolvecommercialfinance.co.uk/why-its-a-smart-idea-for-business-owners-to-purchase-their-premises/): As a business owner, the decision of whether to rent or buy your premises is one of the most significant... - [The Benefits of Investing in Commercial Property](https://evolvecommercialfinance.co.uk/the-benefits-of-investing-in-commercial-property/): When considering real estate investment, many people are drawn to the allure of residential properties due to their familiarity and... - [Supporting Local Sports](https://evolvecommercialfinance.co.uk/supporting-local-sports/): As a supporter of local grassroots sports, we were proud to be match ball sponsor for Warrington Town FC Vs... - [Housing and mortgage market update](https://evolvecommercialfinance.co.uk/housing-and-mortgage-market-update/): The Bank of England (BoE)’s unexpected decision to hold Bank Rate at 5. 25% in September fired the starting gun... - [What is it that specialist lenders do differently?](https://evolvecommercialfinance.co.uk/what-is-it-that-specialist-lenders-do-differently/): Put simply, specialist lending is arranged using a ‘specialist lender’ as opposed to a high street bank or building society.... - [10 tips for first time buy to let landlords](https://evolvecommercialfinance.co.uk/10-tips-for-first-time-buy-to-let-landlords/): It can be intimidating to take the first step onto the buy to let ladder. It’s not like buying a... - [Benefits of using a limited company for BTL properties](https://evolvecommercialfinance.co.uk/benefits-of-using-a-limited-company-for-btl-properties/): There has been important legislative changes over the past few years that have impacted the profits that landlords can earn... - [New HMO rules: getting a licence is just one part, have you got the right finance in place?](https://evolvecommercialfinance.co.uk/new-hmo-rules-getting-a-licence-is-just-one-part-have-you-got-the-right-finance-in-place/): It is estimated that around 160,000 properties will be affected by the new rules governing Houses in Multiple Occupation (HMO),... --- ## Case Studies - [Barn Conversion to Holiday Let](https://evolvecommercialfinance.co.uk/case_studies/barn-conversion-to-holiday-let/): Clients purchased the barn pictured via a phase of short term bridging and development finance to achieve the end result... - [Rugby player completes a Buy Refurbish and Refinance project: 2 bedrooms into 3 bedrooms](https://evolvecommercialfinance.co.uk/case_studies/rugby-player-completes-a-buy-refurbish-and-refinance-project-2-bedrooms-into-3-bedrooms/): We recently helped Joe Philbin of Warrington Wolves purchase a property to refurbish and develop from a 2 bed to... - [Expat remortgages UK property from Dubai](https://evolvecommercialfinance.co.uk/case_studies/expat-remortgages-uk-property-from-dubai/): We’ve recently helped a client remortgage their UK property from Dubai. The client left the property and rented it out... - [Bridging finance helps a client purchase at Auction](https://evolvecommercialfinance.co.uk/case_studies/bridging-finance-helps-a-client-purchase-at-auction/): Sometimes when properties are in an Auction, there is usually a reason why for example, damp issues, structural issues, title... - [First time investor purchases a property above a commercial premises in their Ltd Co](https://evolvecommercialfinance.co.uk/case_studies/first-time-investor-purchases-a-property-above-a-commercial-premises-in-their-ltd-co/): Challenge: The perception of an inexperienced investor looking to take on a specialist rental property Benefits: The property was in... - [Scottish Investment Property above Commercial rented via Air Bnb](https://evolvecommercialfinance.co.uk/case_studies/scottish-investment-property-above-commercial-rented-via-air-bnb/): We helped clients secure 4 x buy to let mortgages on the below property. Challenge: Lending in Scotland, above a... - [Business Owner purchasing own premises](https://evolvecommercialfinance.co.uk/case_studies/business-owner-purchasing-own-premises/): A client of ours recently purchased a property for their business to operate and trade from. This was part of... --- # # Detailed Content ## Pages > Brokers specialising in bridging, development and secured loans for businesses and buy-to-let. Get in touch with Evolve Commercial Finance today. - Published: 2025-09-19 - Modified: 2025-10-31 - URL: https://evolvecommercialfinance.co.uk/contact-us/ The easiest way to get in touch with us is via our contact form, which you can find below. --- > Helping businesses find the best commercial mortgages. Speak to Evolve Commercial Finance, whether you’re purchasing your own property or buying to let. - Published: 2025-09-19 - Modified: 2025-11-11 - URL: https://evolvecommercialfinance.co.uk/commercial-mortgages/ You might be looking to buy or re-mortgage a commercial property for your own use, or maybe you’re looking to bring in revenue by letting one out. Either way, we can scour the market for the best products for you. Get started We pride ourselves on a friendly, professional service tailored to your specific needs, backed up by an understanding of what businesses really want and need. As a business ourselves, we appreciate the value of financial security, and the importance of having lending options available to you at important times, like when looking to purchase property. With years of experience in the sector and thousands of mortgage products available to us, trust Evolve Commercial Finance to find the best options for your business. Wherever you are in the UK – whether you’re close to us in the North West or elsewhere – arrange a chat with us today to discuss your commercial mortgage needs. --- > Scouring the market for mortgage products for portfolio landlords, limited companies. Contact Evolve Commercial Finance for advice and specialist options. - Published: 2025-09-19 - Modified: 2025-11-11 - URL: https://evolvecommercialfinance.co.uk/specialist-buy-to-let/ Get started Buy to Let – Portfolio If you have, or hope to have, a number of properties to let, you will no doubt find that regulations are always changing, and it can be a challenge to keep up with them. Landlords who want to diversify their portfolio will usually need financial support, but with many lenders offering mortgage products more suited to just one standalone buy-to-let property, finding the optimum deal can be hard work. At Evolve Commercial Finance, we have access to thousands of commercial mortgage products, and can find the best ones for the properties you own or hope to own. What’s meant by a “portfolio” landlord? Any landlord who owns four or more buy-to-let properties in the UK is classed as a portfolio landlord. This includes any owned under a limited company. Having that many properties can be a shrewd investment, so don’t waste your money by going for the wrong mortgage option. Chat with us about your needs today. Buy to Let – Limited Companies  Businesses often have a need to acquire a property and make it available for leasing. In these cases, a buy-to-let mortgage for limited companies could be the perfect solution. Taken out under the name of your limited company rather than yourself, these can represent a more tax-efficient way to secure a mortgage for a buy-to-let property. With it not being a traditional way to acquire a mortgage, however, it’s important to find the right mortgage option and make the most... --- > For fast access to short-term cash, a bridging loan could be the perfect solution. Speak to Evolve Commercial Finance about your needs. - Published: 2025-09-19 - Modified: 2025-11-11 - URL: https://evolvecommercialfinance.co.uk/bridging-finance/ Bridging loans can be the ideal way for a business or individual to gain quick access to short-term cash. However, it’s vital to understand the risks and requirements involved, and make sure you’re finding the best suited loan.   Get started That’s where we come in at Evolve Commercial Finance. We’ll get to know your needs and talk through what lenders will need from you, then use our specialist knowledge to scour the market and find you the best options. What is a bridging loan? A bridging loan is a form of short-term borrowing designed to “bridge the gap” between a sale and a purchase, allowing you to buy a property while the sale of the previous one is going through. Using your assets as security, it can usually be repaid within anything from one month to two years and can come with or without a fixed repayment date. There are also often no fees for early settlement. Why not discuss your needs and bridging loan options with us today? --- > Access a vast range of development finance options today. Choose Evolve Commercial Finance to bring your expansion or refurbishment project to reality. - Published: 2025-09-19 - Modified: 2025-11-11 - URL: https://evolvecommercialfinance.co.uk/development-finance/ For most businesses and landlords, the time comes when they need to expand or refurbish a property, but where can you find the funds to do this?   Get started Development finance could be an option. This is a short-term form of borrowing specifically for developing a property, and we can use our experience and knowledge of the market to root out the best package for your business. What is development finance? Like a bridging loan, development finance is secured against your assets, but where it differs is that it is specifically for renovating or refurbishing a property. Also, unlike with a bridging loan, development loans are calculated annually, and funds are released in stages. If this sounds like the right option for you, we’d love to guide you through the process here at Evolve Commercial Finance. We’ll explain how much could be available to you, the repayment terms and what lenders will need to see from you in order to support you. --- > Read the latest case studies from Evolve Commercial Finance here - Published: 2025-09-19 - Modified: 2025-09-19 - URL: https://evolvecommercialfinance.co.uk/case-studies/ Case Studies - Evolve Commercial Finance HomeAbout UsServicesCommercial MortgagesSpecialist Buy-to-letBridging FinanceDevelopment FinanceFAQsCase StudiesTestimonialsBlogGet Started 01925 939170 [email protected] Case Studies Barn Conversion to Holiday Let Clients purchased the barn pictured via a phase of short term bridging and development finance to achieve the end result as a holiday rental to develop a diversified income stream First time investor purchases a property above a commercial premises in their Ltd Co Challenge: The perception of an inexperienced investor looking to take on a specialist rental property Benefits: The property was in a great position to attract short stay such as business Bridging finance helps a client purchase at Auction Sometimes when properties are in an Auction, there is usually a reason why for example, damp issues, structural issues, title issues etc. Our client wanted to purchase a property at Expat remortgages UK property from Dubai We’ve recently helped a client remortgage their UK property from Dubai. The client left the property and rented it out as part of their relocation to the UAE to pursue Rugby player completes a Buy Refurbish and Refinance project: 2 bedrooms into 3 bedrooms We recently helped Joe Philbin of Warrington Wolves purchase a property to refurbish and develop from a 2 bed to 3-bedroom property. This is part of his plan to develop Business Owner purchasing own premises A client of ours recently purchased a property for their business to operate and trade from. This was part of a longer-term strategy for the business owners. Providing stability... --- > Brokers specialising in bridging, development and secured loans for businesses and buy-to-let. Take the next step with Evolve Commercial Finance. - Published: 2025-08-20 - Modified: 2025-11-11 - URL: https://evolvecommercialfinance.co.uk/ EXCELLENT Based on 105 reviews Posted on Ste mono 02/02/2024 Trustindex verifies that the original source of the review is Google. Jo was Very helpful and professional. Will definitely be using again in the future Posted on Kellie Underwood 11/05/2023 Trustindex verifies that the original source of the review is Google. Lindsey was absolutely amazing, as a first time solo buyer, absolutely overwhelmed, she explained everything to me and ensured I understood. She gave me the best advise and during the time the APR rates were all up and down so she would always check my rates were the best the market could offer and ensured I was 100% happy through the whole process. During my buying experience the property went to probate, alongside a whole load more issues, she reassured me all the way, chased daily and ensured I was in the loop, well informed and looked after. She has been amazing and an absolute god send at possibly one of the most stressful times in my life! Thank you Lindsey Posted on Richard Rigby 22/03/2023 Trustindex verifies that the original source of the review is Google. Excellent, stress free mortgage switch. Lindsay was a great help. Would recommend Posted on Drive Line 26/01/2023 Trustindex verifies that the original source of the review is Google. Supportive & helpful during the whole process Posted on Rachel Campbell 14/01/2023 Trustindex verifies that the original source of the review is Google. Home Financial go above and beyond to make the mortgage process... --- > With thousands of commercial mortgage products available to us, learn what makes Evolve Commercial Finance a leading broker for businesses. - Published: 2025-08-20 - Modified: 2025-10-31 - URL: https://evolvecommercialfinance.co.uk/about-us/ Evolve Commercial Finance was set up to provide business owners and landlords with access to thousands of commercial mortgage products. With a great track record and a passion for finding flexible solutions to suit all kinds of businesses, we’re your first port of call for friendly, professional guidance through the world of commercial mortgages, including bridging loans, development finance and buy-to-let mortgages. Based in Warrington, Cheshire, we support business owners throughout the North West, but distance is no object for us, and we can arrange meetings remotely too. As a business ourselves, we understand that nothing is more important than financial security, and that every business is unique, with its own needs. Whether you’re looking to buy a premises for your business or invest in property, start in the right way with a chat with us at Evolve Commercial Finance. Get started Meet the Team Ross Jones Initially working in communications with the Royal Navy, Ross quickly developed a passion helping businesses and homeowners, subsequently gaining qualifications in mortgages and finance. Upon buying a home with his family, his wife was diagnosed with a life-changing illness, so he became acutely aware of the importance of financial security. Since businesses are our livelihood, all financial decisions require careful consideration, so Ross prides himself on using his knowledge and experience to help businesses find security and opportunities. Today, he loves working with businesses and landlords (as well as homeowners through Home Financial North West) to find them the best financial options for... --- > Hear what our client say about working us and learn what makes Evolve Commercial Finance a leading broker for businesses. - Published: 2025-08-20 - Modified: 2025-10-31 - URL: https://evolvecommercialfinance.co.uk/testimonials/ What our clients say EXCELLENT Based on 105 reviews Posted on Ste mono 02/02/2024 Trustindex verifies that the original source of the review is Google. Jo was Very helpful and professional. Will definitely be using again in the future Posted on Kellie Underwood 11/05/2023 Trustindex verifies that the original source of the review is Google. Lindsey was absolutely amazing, as a first time solo buyer, absolutely overwhelmed, she explained everything to me and ensured I understood. She gave me the best advise and during the time the APR rates were all up and down so she would always check my rates were the best the market could offer and ensured I was 100% happy through the whole process. During my buying experience the property went to probate, alongside a whole load more issues, she reassured me all the way, chased daily and ensured I was in the loop, well informed and looked after. She has been amazing and an absolute god send at possibly one of the most stressful times in my life! Thank you Lindsey Posted on Richard Rigby 22/03/2023 Trustindex verifies that the original source of the review is Google. Excellent, stress free mortgage switch. Lindsay was a great help. Would recommend Posted on Drive Line 26/01/2023 Trustindex verifies that the original source of the review is Google. Supportive & helpful during the whole process Posted on Rachel Campbell 14/01/2023 Trustindex verifies that the original source of the review is Google. Home Financial go above and beyond to... --- --- ## Posts - Published: 2025-01-27 - Modified: 2025-01-27 - URL: https://evolvecommercialfinance.co.uk/can-i-get-a-mortgage-in-the-uk-as-an-expat-living-abroad/ - Categories: General If you’re an expat living abroad and dreaming of owning a property in the UK, you might be wondering whether it's possible to secure a mortgage from overseas. The good news is that yes, it is possible to get a UK mortgage as an expat. If you’re an expat living abroad and dreaming of owning a property in the UK, you might be wondering whether it's possible to secure a mortgage from overseas. The good news is that yes, it is possible to get a UK mortgage as an expat. However, there are specific requirements and challenges that come with securing a mortgage when you're living outside the UK. In this blog, we'll explore how expats can navigate the mortgage process, what lenders look for, and the factors that could affect your ability to secure a mortgage. What is an Expat Mortgage? An expat mortgage is a mortgage loan designed specifically for individuals living abroad who want to purchase property in the UK. Lenders generally view expats as a higher-risk group due to their overseas residency and the complexities of their income sources, but there are plenty of lenders who offer products tailored for this market. Can I Get a Mortgage in the UK as an Expat? Yes, it's entirely possible for expats to get a mortgage in the UK. Many UK banks and building societies offer mortgage options for expats, although not all lenders provide this service, and the terms may differ from those available to UK residents. The key is to demonstrate your ability to meet the lender’s criteria, which typically includes your income, employment status, credit history, and the size of your deposit. 1. Lender Requirements for Expats While each lender has different requirements, there are common criteria that most will look... --- - Published: 2024-12-16 - Modified: 2024-12-16 - URL: https://evolvecommercialfinance.co.uk/why-its-a-smart-idea-for-business-owners-to-purchase-their-premises/ - Categories: General As a business owner, the decision of whether to rent or buy your premises is one of the most significant financial choices you'll make. While renting may seem like the more straightforward option, purchasing your business premises can offer numerous benefits that go beyond just saving money. In fact, buying your own property can provide long-term financial security, give you greater control over your space, and even unlock new business opportunities. If you’re wondering whether now is the right time to purchase, here are several compelling reasons why buying your premises can be a great move for your business. Build Equity Instead of Paying Rent One of the most compelling reasons for purchasing your business premises is the ability to build equity. When you rent, your monthly rent payments go to your landlord, and you don’t get anything back in return. Essentially, you’re helping someone else build wealth. On the other hand, when you buy a property, each mortgage payment helps you build ownership of that asset. Over time, as the value of the property appreciates and you pay down your mortgage, you build equity in the property. This can be a valuable financial asset for your business, potentially allowing you to borrow against it for future expansion or investment. Example: If you’ve been renting for years, you may have already spent tens of thousands—or more—on rent. If you had been paying that money towards your mortgage, you could now own the space, rather than continuing to pay for something... --- - Published: 2024-12-10 - Modified: 2024-12-10 - URL: https://evolvecommercialfinance.co.uk/the-benefits-of-investing-in-commercial-property/ - Categories: General When considering real estate investment, many people are drawn to the allure of residential properties due to their familiarity and accessibility. However, commercial property offers a range of advantages that make it a compelling option for investors seeking to diversify their portfolio and maximise returns. Whether you're eyeing office buildings, retail spaces, or warehouses, commercial real estate presents unique opportunities. Let’s explore the key benefits of investing in commercial property and why it could be the right move for you. Higher Income Potential One of the most significant benefits of investing in commercial property is the potential for higher rental yields compared to residential properties. Businesses generally pay more for commercial space than individuals do for homes, and commercial leases tend to be longer-term, providing more stable cash flow. For instance, a retail business or a corporate office may sign a lease for five, ten, or even twenty years, which helps to secure a steady income over an extended period. Additionally, many commercial properties are leased at higher rates than residential properties due to the larger space requirements and the nature of business operations. Triple Net Leases (NNN) In many commercial real estate deals, you’ll come across Triple Net (NNN) leases. These leases require tenants to cover most of the property’s operational expenses, such as property taxes, insurance, and maintenance costs, in addition to their monthly rent. This lease structure reduces the financial burden on the landlord and ensures a more predictable and stable income stream. For investors, this means... --- - Published: 2024-02-28 - Modified: 2024-02-28 - URL: https://evolvecommercialfinance.co.uk/supporting-local-sports/ - Categories: General As a supporter of local grassroots sports, we were proud to be match ball sponsor for Warrington Town FC Vs Brackley Town FC on Saturday 24th February. We had a brilliant afternoon watching a very entertaining game from both teams, that ended 2-2 at Cantilever Park. It was great to host our guests in the Legends Lounge, a big thanks to everyone at Warrington Town for your superb hospitality as per usual. --- - Published: 2023-11-22 - Modified: 2023-11-22 - URL: https://evolvecommercialfinance.co.uk/housing-and-mortgage-market-update/ - Categories: General The Bank of England (BoE)’s unexpected decision to hold Bank Rate at 5. 25% in September fired the starting gun on a fierce battle in the mortgage market. Rates have since been edging down across the board as lenders compete to offer the most attractive deals. Is it time to fix? With mortgage rates having fallen from the highs of mid-2023, mortgage holders might be considering locking into a new deal. Indeed, some five and 10-year fixes are now available under 5%, having peaked above 6% earlier in the year. As always with decisions about mortgage rates, however, predicting the future is close to impossible. That’s why it’s important for borrowers to consider their own affordability and requirements first, rather than trying to guess what will happen next in the mortgage market. This includes being aware of any changes to your financial situation and planning your budget accordingly. Stick or twist? Many lenders let you sign up for a new deal up to six months in advance. This means that you should be able to lock into a rate in advance of your current deal ending. Even if you think your fixed rate deal has several years left, it might be worth checking so you are ready when the time comes. If you are on a tracker mortgage, meanwhile, your rate will increase or decrease directly in relation to Bank Rate. Standard variable rates (SVR) also rise or fall according to this rate. Homebuyer demand up In light of falling... --- - Published: 2023-10-20 - Modified: 2023-10-20 - URL: https://evolvecommercialfinance.co.uk/what-is-it-that-specialist-lenders-do-differently/ - Categories: General Put simply, specialist lending is arranged using a ‘specialist lender’ as opposed to a high street bank or building society. The reason your client might opt for this solution comes down to their financial circumstance at the time of application and their specific mortgage requirements. Specialist lenders often adopt a more flexible approach to their lending. They tend to assess on a case-by-case basis, and this helps to eliminate the dreaded ‘the computer says no’ response that your client might otherwise receive from a high street lender. Specialist lenders will carry out credit checks rather than credit scoring. This can be a redeeming feature for any would-be mortgagor with blemishes on their credit file. Adverse credit will show up on a credit report for six years before it ‘drops off. ’ Often the underwriter will ask for an explanation as to how the blemishes came about in the first instance. This allows the borrower the opportunity to provide some background to their current credit status – sometimes it genuinely isn’t their fault that the blemishes exist. Reasons why a specialist lender may be more suitable: Property is non-standard e. g. , has deck access, timber framed construction, or concrete panels Adverse credit e. g. , CCJs or recent defaults (high values) Age at the time of completion e. g. , 75 – 85 (into retirement) Number of applicants e. g. , three or more Income type e. g. , includes certain benefits Location of the property e. g. , Outer... --- - Published: 2023-03-29 - Modified: 2023-03-29 - URL: https://evolvecommercialfinance.co.uk/10-tips-for-first-time-buy-to-let-landlords/ - Categories: General It can be intimidating to take the first step onto the buy to let ladder. It’s not like buying a house, which is already a difficult task. Legalities, finances, and, of course, your renters are all things to consider. Whether you’ve become an unintentional landlord or want to start a buy-to-let portfolio, these 10 pointers can help you succeed. 1. Look for the ideal home. The type of tenant you want to attract is the first decision you must make. Students, young professionals, families, and corporate renters all rent property, and they all have different needs. You’ll have an easier time finding the perfect tenant if you tailor the property to their wants. Families will value outdoor space, open-plan kitchens and living rooms, and will be willing to pay a premium to live near a good school. Young professionals may not mind living without a yard, but a roof terrace or balcony would instantly add attractiveness. 2. It’s all about the setting. It may be tempting to acquire a buy-to-let property in your neighbourhood, but consider whether there is a sufficient demand for tenants. Extending your search may give you more possibilities. University towns and cities are hotspots for buy-to-let properties as more individuals pursue higher education. To maximise your chances of having your property occupied each term, register it with the university housing services. Property within walking distance of major employers, stores, and transportation links is great, but stay away from nightclubs, pubs, and fast-food restaurants, as well as... --- - Published: 2023-03-29 - Modified: 2023-03-29 - URL: https://evolvecommercialfinance.co.uk/benefits-of-using-a-limited-company-for-btl-properties/ - Categories: General There has been important legislative changes over the past few years that have impacted the profits that landlords can earn from their properties. Despite this, landlords are still remaining positive about new investment opportunities. 15% of landlords plan to purchase property in the next year, up from the historically low 12% reported last year. For many, setting up a limited company could provide the much needed solution to these recent legislative changes. Tax Top rate paying individual landlords have recently seen the amount of buy to let tax relief on mortgage interest payments reduced heavily from a maximum of 45% to just basic rate tax relief of 20%. Higher costs have forced some landlords to reduce their portfolio and halted plans to expand in the near future. The reduction in tax relief does not however encompass limited companies, who can continue to fully offset all their mortgage interest payments against the rent before calculating taxable profits. Limited Company profits are currently subject to corporation tax, a significantly lower amount than income tax. A landlord will also be able to avoid income tax on their retained profit if they are looking to re-invest and grow their portfolio of properties at a faster rate. This option is becoming increasingly popular, with 38% of landlords planning to purchase a property in a limited company in the future. Lenders more favourable rental calculations making it more affordable. Another benefit of using a limited company to apply for a BTL mortgage is the more favourable... --- - Published: 2023-03-29 - Modified: 2023-03-29 - URL: https://evolvecommercialfinance.co.uk/new-hmo-rules-getting-a-licence-is-just-one-part-have-you-got-the-right-finance-in-place/ - Categories: General It is estimated that around 160,000 properties will be affected by the new rules governing Houses in Multiple Occupation (HMO), which came into force this week. Up until Monday, if you were renting a property to five or more tenants from separate households you only needed to get an HMO licence if the property had three or more floors. But under the new rules, introduced towards the end of last year, the number of floors is irrelevant –any properties that have five or more people from two or more separate households have to have an HMO licence. The new rules also affect the size of the rooms in your tenant property; HMOs must now have bedrooms of at least 4. 64 square metres for children aged ten or under, at 6. 51 square metres for single rooms and a minimum of 10. 22 square metres for two adults sharing. Many landlords will not be affected by the minimum room rule – the idea of it is too force those landlords who are crowding too many people into small rooms, are housing illegal Immigrants and are not meeting health and safety standards. Due to the number of landlords that own more than one property, the new rules will only affect around 160,000 properties it will only probably affect 77,000 of the estimated two million private landlords in the UK. However, if you think you might be affected by the new rules you need to do something about it now if you... --- --- ## Case Studies - Published: 2025-10-22 - Modified: 2025-10-22 - URL: https://evolvecommercialfinance.co.uk/case_studies/barn-conversion-to-holiday-let/ Clients purchased the barn pictured via a phase of short term bridging and development finance to achieve the end result as a holiday rental to develop a diversified income stream and use for the business owner as required within a 60 day annual allowance for personal use. Challenge: Barn unhabitable and in need of full development and refurbishment. Solution: Bridging and develop finance to acquire the property in its current condition and fund the required works to achieve a change of use and high end finish. The short term finance was repaid via a Holiday let term mortgage to enable long term operation as holiday rental. --- - Published: 2025-10-22 - Modified: 2025-11-11 - URL: https://evolvecommercialfinance.co.uk/case_studies/rugby-player-completes-a-buy-refurbish-and-refinance-project-2-bedrooms-into-3-bedrooms/ We recently helped Joe Philbin of Warrington Wolves purchase a property to refurbish and develop from a 2 bed to 3-bedroom property. This is part of his plan to develop assets and skillsets as he plans for life after sport. We helped Joe with a bridging loan to purchase the property under market value with the plan to convert it into a 3-bedroom property. Once the works were completed, we were able to remortgage to repay Joe the funds he put into the project, realising the higher value because of the work. This now leaves Joe with an income producing asset and replenished his capital to go onto the next project. --- - Published: 2025-10-22 - Modified: 2025-11-11 - URL: https://evolvecommercialfinance.co.uk/case_studies/expat-remortgages-uk-property-from-dubai/ We’ve recently helped a client remortgage their UK property from Dubai. The client left the property and rented it out as part of their relocation to the UAE to pursue a career opportunity. Once the fixed rate expired the current lender wasn’t prepared and didn’t offer an Expat Buy to let solution, so we were able to remortgage the property onto a tailored solution for a client living abroad. This has enabled the clients to keep the UK property as an investment whilst living out in the UAE, benefiting from the capital growth and rental income without the need to sell the asset as previously feared. --- - Published: 2025-10-22 - Modified: 2025-11-11 - URL: https://evolvecommercialfinance.co.uk/case_studies/bridging-finance-helps-a-client-purchase-at-auction/ Sometimes when properties are in an Auction, there is usually a reason why for example, damp issues, structural issues, title issues etc. Our client wanted to purchase a property at auction that had a moderate damp issue, meaning a standard Buy to let product wasn’t suitable as it wasn’t habitable for tenants. Therefore, the solution was a bridging loan to purchase the property within the auction timescales. Once the property was in possession the client repaired the damp issue to make the property suitable for tenancy. The property was then remortgaged onto a standard term mortgage to repay the short-term finance. The benefit of this strategy is that the property was able to be acquired much cheaper than should they of purchased something ready to go, this benefits the clients longer term by being prepared to look at the opportunity in the property and realise a better return on funds invested. --- - Published: 2025-10-22 - Modified: 2025-11-11 - URL: https://evolvecommercialfinance.co.uk/case_studies/first-time-investor-purchases-a-property-above-a-commercial-premises-in-their-ltd-co/ Challenge: The perception of an inexperienced investor looking to take on a specialist rental property Benefits: The property was in a great position to attract short stay such as business and leisure guests and due to this was able to lend itself well to a high yielding short term let property. Ideally supporting the clients business plan. Solution: We were able to secure Ltd Co lending for the client to purchase this specialist property whilst drawing on previous business experience and having access to a lender that would understand the perceived risks applicable. Enabling the client to purchase their first investment property and developing the credibility with this model. Enabling them to go onto their second of this nature within 12 months. --- - Published: 2025-09-19 - Modified: 2025-09-19 - URL: https://evolvecommercialfinance.co.uk/case_studies/scottish-investment-property-above-commercial-rented-via-air-bnb/ We helped clients secure 4 x buy to let mortgages on the below property. Challenge: Lending in Scotland, above a commercial premises, new build and to be rented on a short-term basis i. e. Air Bnb. Benefits: Property generated a net yield of 11. 85% Solution: We were able to secure a competitive mortgage product for the clients lending 75% of the purchase price where others could only do 65% on 4 of the properties in the building. Enabling the client to purchase more because of the higher loan to value loan, purchasing a high-income generating asset with great long-term potential. --- - Published: 2025-09-19 - Modified: 2025-09-19 - URL: https://evolvecommercialfinance.co.uk/case_studies/business-owner-purchasing-own-premises/ A client of ours recently purchased a property for their business to operate and trade from. This was part of a longer-term strategy for the business owners. Providing stability for the business, a efficient way to operate utilising retained profits to purchase the property combined with a Commercial property. This also forms part of a robust exit plan as when they look to sell the business and/or retire they will still have the property asset to either sell or rent out as part of their retirement planning. --- ---