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The Omega team are renowned for expert advice across all trading business sectors and structure a variety of commercial finance solutions to suit specific needs.

With the festive season creeping up fast, we have supported clients throughout the year as they approach this busy season. With shops, retailers, online commerce, logistics and shipping businesses all maximising trade over the Christmas period. Other trading businesses see huge footfall during this period, and we have been able to help them in advance of their busy time by securing competitive commercial mortgages for hotels, B&Bs, restaurants and public houses. Startups can also be supported even with no prior experience in that specific sector or operating any business previously.

We also specialise in the healthcare sector, terms available at 100% and recently secured reduced interest rates for Childcare Nurseries with leading products available, including 0% lender arrangement fee for refinances.

Case Studies

Sustainable remanufacturing with international ownership

A UK-based remanufacturing business sought to buy its premises, using a commercial mortgage for office and warehouse space.

The company is majority owned through an international entity, with a partial UK shareholding. We were able to secure terms at 80% of the purchase price with an interest rate of 2.45% over Base Rate, spread over a 25-year repayment facility with 0% early repayment penalties.

Quasi Owner Occupied domiciliary children’s care

Complex and layered ownership structure, including OpCo and PropCo, with a connection between the ‘landlord’ and ‘tenant’ limited to a small shareholding crossover.

The security consisted of residential houses with Class C2 use and relatively minor adjustments required to the properties.

Terms were obtained at 70% funding, interest-only and at an interest rate of 6.49% fixed for 5 years. The deal was based on the value and market rent of security utilised as houses rather than actual use as domiciliary care. This was fully presented to the commercial mortgage lender, ready for valuation and legal stages.

Pension scheme borrowing for Trading Businesses

Borrowing through your pension scheme can be a very efficient and valuable way to purchase and finance commercial property, whether for your own trading business or investment. However, before deciding to progress with any such application, it is important to fully understand the criteria available and take suitable tax advice on the implications of your plans.

Obtaining financing through your SIPP (Self-Invested Personal Pension) or SSAS (Small Self-Administered Scheme) when purchasing or funding commercial or semi-commercial property is a specialist area Omega have operated in for many years, and can discuss the full terms and options available for you and your clients.

Not all lenders support pension scheme borrowing; however, Omega is a specialist broker who understands the terms available from the whole of the market.

Finance available up to 80% loan-to-property value, where the pension owner’s trading business is the tenant (100% in certain specific sectors) or 75% loan-to-property value for investment purposes. This is subject to legal limitations, such as borrowing at no more than 50% of the fund value.

As always, speak to a member of the team for support and advice by clicking here.