Andy Elley

Andy Elley

Job title: Head of Commercial

Date joined:
 November 2013

Specialises in: Commercial investment and owner-occupier mortgages, holiday let mortgages, complex buy to let and property development finance (including developer exit loans and large bridging facilities). 

Role: Heading up the commercial desk at Mortgages for Business, it’s Andy’s responsibility to ensure the team are performing at their best and have access to the resources they need to do so.

He has a long-standing client base, predominantly in the commercial investment and owner-occupier mortgage sectors, but also looks after many investors with hotels, pubs, restaurants and retail businesses. Andy and the commercial team have championed the niche market of holiday lets, working with lenders to offer more innovative products in this area for the benefit of their clients.

Having been shortlisted for the British Specialist Lending Awards two years in a row, he finally won the prestigious Commercial Finance Broker of the Year Award in 2019. He prides himself on being able to ‘think outside the box’ and approach even the most complex of cases with a ‘can-do attitude’ in order to source the best finance for his clients.

Experience: Andy has been in the financial industry for 25 years; spending ten years with Christie Group as a commercial mortgage broker, where he concentrated on property finance for retail businesses and the leisure and care sectors. Prior to this, he spent nine years with NatWest in a variety of roles, including Business Manager at Bromley and Bexleyheath, where he was responsible for more than 300 business clients. Andy holds qualifications in Business Banking and Conduct (CertBB&C) and the Certificates in Mortgage Advice and Practice (CeMAP).

Favourite film: Top Gun


• Runner up Broker: Commercial Finance, 2018 British Specialist Lending Awards
  Winner of The British Specialist Lending Awards 2019


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"All of the staff from my broker to the underwriter have been greatly helpful. Helping me with everything that I needed throughout the processing of my application until the completion. Thank you so much"  C. Bojangin. London

"Asked for information in one go. Got best available product and enabled me to complete on time." R.Walia. London


"I initially approached Mortgages for Business, after being let down by another broker. Sceptical as I was I decided to phone Andy Elley over at Mortgages for Business. That scepticism grew further when Andy told me that he had a high street lender that would lend 65 % of a going concern valuation. I explained my apprehension to Andy about paying any more money to a broker, until I could see that my application was progressing in the right direction. So it was agreed that their fee would be payable on completion and the application fee could be deferred till after we had the meeting with the high street lender. About a week later after all documentation was submitted a meeting was arranged to get Andy from the other side of the country, a local relationship manager and his lending manager together. Within 4 days of the meeting the mortgage application was submitted and the credit department had approved the application. Within two weeks a full business appraisal was completed and we had received our formal mortgage offer.

So in the end we were offered a 99.4%LTV with no arrangement fee on a rate of 3.49% on a 25 year term. We were also left in the position of not having to tie an additional £100,000.00 plus into the property which meant we could use these funds to enhance and develop our business further.

When people say things are to good to be true they normally are, but in this case I can reassure you that if Andy and his team say they can do it, they really can. I truly believe that their sector knowledge and professional is the reason deals like this are possible. I look forward to working with Andy and the team again in the future and will not consider using anyone else. If anyone is still unsure or sceptical like I was please feel free to ask Mortgages for business for my contact details and I will do my best to answer any questions you may have." Oliver Milenkovic, July 2016

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  • The Benefits of Holiday Lettings

    The UK holiday let industry has been steadily growing in popularity among property investors and holiday goers alike and doesn’t look to be slowing down anytime soon! Commercial Consultant, Andy Elley, explains what the benefits are and the type of investments we’re seeing.

  • Rates and terms on larger commercial mortgages

    Recently, we’ve received a number of enquiries from investors and business owners looking for larger loans to finance both commercial properties and mixed-use properties, particularly as some older landlords are exiting their positions from the commercial investment sector (understandable after a deluge of rent arrears picked up during the Covid epidemic). Therefore, I thought I’d give you a flavour of what rates and terms you can expect to be offered in the current market.

  • How to Mortgage an Airbnb Property

    Airbnb has revolutionised the holiday let sector over the last few years; diversifying the types of properties available to holidaymakers and opening up new income streams for property owners. Head of Commercial and holiday let finance expert, Andy Elley, gives a concise overview of the property finance options available, so you too can benefit from this £3.5 billion industry.

  • Holiday Lets: Why You Should Invest Now

    Although health and hygiene are still at the forefront of our minds, the COVID-19 lockdown has increased our desire to escape our homes, while keeping safe. Head of Commercial, Andy Elley, explains how the pandemic has set the UK holiday let market to soar in 2020 and beyond, and how you can benefit too.


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