Accessing Competitive Deals in Commercial Investment Property Finance
The heightened demand from clients for competitive commercial investment finance is matched by strong appetite from lenders to support well-structured investment deals, with flexible underwriting and pricing to match the inherent complexities and risk profile of each case.
By partnering with Omega, you can unlock access to lender terms and rates that are often not available or immediately visible across the wider market, and achieve terms and debt profile that wouldn’t have otherwise been possible.
A Shift in Commercial Investment Mortgage Pricing
A lender has recently cut commercial investment mortgage rates by 0.25%, signalling stronger competition and improved affordability for investors.
This is especially relevant now, as clients remain rate-sensitive but keen to invest in income-generating property.
Case Study 1: Industrial / Warehouse Investment with Light Manufacturing
The industrial and logistics sector continues to perform strongly, driven by ongoing supply chain demand and limited stock availability. Smaller warehouse units with flexibility for light manufacturing, can be especially attractive to both owner-occupiers and tenants.
Deal Overview
- Asset Type: Small-to-medium warehouse with light manufacturing use
- Loan Size: £850,000
- Structure:
| Type | Rate | Arrangement Fee | LTV |
| 5-Year Fixed | 6.89% | 2.00% | 75% |
As an investment class, with strong rental demand and relatively low vacancy rates, these units can offer a robust sector. From a lender perspective, this translates into:
- Greater confidence in income sustainability
- Willingness to lend at higher LTVs (up to 75%)
- Competitive fixed-rate pricing for medium-term holds
The Rise of EPC-Linked Lending
A key trend in commercial property finance is the growing use of EPC ratings in pricing.
Many lenders now offer rate incentives for more energy-efficient assets, reflecting regulatory and ESG priorities.
Case Study 2: Refurbished Office Investment with Enhanced EPC
While the office sector has faced increased scrutiny in recent years, prime, well-refurbished spaces with strong ESG credentials continue to attract both tenants and lenders.
Deal Overview
- Asset Type: Fully let office investment
- Condition: Recently refurbished to a high specification
- EPC Rating: Improved to C
- Loan Size: £1.25 million
- Structure:
| Type | Rate | LTV |
| 2-Year Fixed | 6.84% | 65% |
For clients considering value-add strategies, these kinds of funding solutions can support both acquisition and refinancing strategies post-refurbishment.
Why Work with a Commercial Finance Provider?
For Clients, IFAs and introducers who partner with Omega, accessing commercial property finance can be complex. Those who have worked with us for years know they have the back up of our professional service helping them:
- Secure better deals
Our strong lender relationships enable us to obtain deals with better rates than those on the open markets.
- Navigate lender criteria
Commercial lending is rarely one-size-fits-all, so we align deals with lender appetite across sector, tenant profile, and asset quality.
- Ensure best outcomes
Knowing specialist support is there to deliver best outcomes provides confidence in seeking new opportunities, whether that’s larger, more complex transactions or new investment territory.
Accessing Competitive Deals in Commercial Investment Property Finance
The commercial investment property market still offers strong opportunities, but success increasingly depends on access, relationships and structuring of deals.
With lenders competing for well-structured deals through rate cuts and EPC-linked incentives, now is an ideal time to partner with Omega who offer a wider, more flexible lender panel which helps deliver better client outcomes while creating new revenue opportunities.
Contact our team today.
