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SME Commercial Mortgages

SME Commercial Mortgages

We provide forward-thinking advice to high street banks and private lenders in managing commercial mortgage transactions across a range of industries.

Our specialist Banking and Real Estate Finance team provides forward-thinking advice to high street banks and private lenders in managing commercial mortgage transactions across a range of industries, including but not limited to, hospitality, commercial offices and the care and education sector.

We draft finance and security documents, intercreditor and cross-collateralization arrangements in both standard commercial mortgages, re-financing and bridging transactions and are experienced in advising on multi-security arrangements.

Documents include:

  • Legal charges;
  • Debentures;
  • Share charges;
  • Personal guarantees;
  • Deeds of priority/subordination;
  • Duty of care deeds;
  • Corporate guarantees;
  • Costs overrun guarantees;
  • Assignment of life policy.

In undertaking legal due diligence, we report to the lender on the assets offered as proposed security be it fixed or floating charges on real estate assets or commercial assets including share charges and IP. Our reporting is tailored to a lender’s specific requirements, and we are pleased to be able to work with clients to offer solutions based advice to any issues identified as-and-when they arise, so they can be suitably resolved prior to anticipated drawdown.

Key Contact

David Powell profile picture
David Powell

Partner in Real Estate Finance and Head of Corporate & Commercial

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Here’s why you should choose our team

City-quality advice at regional prices – highly specialised solicitors offering expert advice and representation at competitive regional prices.

Solutions-oriented – we go beyond legal advice to provide practical personalised solutions and strategic commercial insights.

Accessible and responsive – easily accessible and responsive, ensuring you receive timely and proactive advice, when you need it.

Transparent pricing, no hidden fees – expect upfront pricing for your peace of mind and financial clarity throughout a matter.

Full service support – comprehensive legal services for every stage of your business, supported by seamless collaboration across our specialist teams.

Trusted by clients and professionals – our track record speaks for itself with a strong reputation for achieving outstanding results and high professional rankings.

Notable work

  • Advised a peer-to-peer lending institution on all aspects of a Recovery Loan Scheme commercial mortgage facility to fund the acquisition of large office building subject to existing operating company and trading company leasehold interests, including drafting and negotiation of all finance and security documents with institutional funding line and borrower’s solicitors and handling all due diligence and reporting aspects (£4,225,000).
  • Acted for a lender in an acquisition and refurbishment deal of former offices converted into a children’s day nursery, including drafting and negotiation of all finance and security documents.
  • Advised a peer-to-peer lending institution in relation to acquisition of a care home property and business, including drafting and negotiation of all finance and security documents and review of asset purchase agreement.
  • Advised a lender in relation to a circa £1 million commercial refinance of a hotel and wedding and events venue.

FAQs

Below are some questions that we are frequently asked by clients who require advice on SME Commercial Mortgages

A commercial loan is a funding arrangement between a business and financial institution. They can be used typically for transactions including management buyouts, capital expenditure, commercial property purchase or refurbishment including, but not limited to office space, retail nursing homes and hotels.

Please click here to view details of our Corporate and Commercial Pricing Information.

Contact the team

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