News

We are now beyond the mid-point of the year, as we reflect on what we have seen and heard in the commercial and specialist property finance market. It has been a positive year for many, building on what had been a challenging yet constructive few years prior, 2025 has brought with it optimism for businesses, increased confidence to roll out plans and further growth in the property investment market and that of the alternative property investment market.

As a business, we have seen a marked increase in completed deals, up by 150%. The deals were not focused on one area alone but spread across multiple sectors, the Omega team handling a range of transactions across business, property and  spread of client scenarios. The positive news for our clients and introducing partners is that lenders continue to make available a competitive range of products, refining existing solutions in addition to launching new products, with new lenders also entering the market. This means that not only is there competition to deliver preferred options but also ability to structure loans that perhaps may not have been achievable previously. This includes enhanced leverage for refurbishment cases, lower rates for portfolio refinances or simply bridging for commercial transactions.

Changes in commercial property investment

In direct correlation, the demand from our clients for commercial investment and semi-commercial or mixed use has continued to rise, evidencing their shifting range of needs. Clients are looking to invest in different projects than they may have in the past. This type of diversification into other commercial finance opportunities and mixed use assets has been a theme for the last 12 months and more, specialist residential lenders looking to expand into this sector if not there already to meet the needs of their clients’ changing demands.

Upturn in the business world

We have also seen a significant upturn in results for many businesses through 2025 so far. There is increased confidence, and many are now in a position where they are looking to enact long-term plans for their businesses, such as expanding or buying their premises. Restricted cash flow and high interest rates had previously prevented businesses from realising plans of this kind. Moreover, businesses are also looking to consolidate debts whether historic mortgages now on higher rates where lower interest options are available, or simply refinancing unsecured loans taken out during the pandemic hit years.

0% lender fees are available for these types of transactions, spreading the costs over a 25 year repayments or in some cases, 25 years interest only structures.

One recent case secured at 1.75% over base rate.

Increased GP and Veterinary investment

There has also been a significant surge in healthcare investment, new partner buy-ins and expansion of facilities through new premises. The ability for GP and veterinary practices to borrow at 100% loan-to-value demonstrates a commitment from lenders to supporting essential community services and reflects strong confidence in the sector’s stability. For care home operators, lenders are supporting refinancing existing debt at lower interest rates, facilitating improved operational efficiency and long-term growth.

BTL Landlords diversifying investment

The growing demand for specialist care and assisted living residential property is an evolving investment class in 2025. This sector is attracting buy-to-let landlords, many of whom are pivoting from traditional lets in search of greater returns and more stable, government-backed rental agreements, such as those structured through corporate lets with local authority. Specialist Residential and Commercial lenders are uniquely positioned to provide support and structure loans to enable clients to continue these diversification strategies.

The Omega team has built long-standing relationships with established lenders and work with new to market entrants to ensure we are able to deliver best terms from 150+ lending partners. This allows us to react to ever changing client demands, trends in the market and continue to ensure we deliver  best outcomes and expert service to introducing partners and our clients.