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Andy Elley - Blogs

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  • How to Purchase Your Own Business Property

    When it comes to your own home, most people will tell you that where possible, buying is better than renting. So why would it be any different for your business premises? Commercial Mortgage Consultant, Andy Elley, explains how it could be easier than you might think to own your own commercial property.

  • Mortgaging Mixed Use Investment Property: An Introduction

    We’re seeing a definite increase in investors opting for mixed use properties – but what’s making them such a popular investment? Head of Commercial, Andy Elley, explains what they are, why they’re popular and what to expect if you’d like to mortgage one…

  • Hotel and B&B Investments: What You Need to Know

    With 20 years of experience sourcing property finance for businesses in the leisure sector, Head of Commercial, Andy Elley, knows a thing or two about investing in B&Bs and hotels. In this blog, he explains what you need to know about investing in B&Bs and hotels and what to expect…

  • Holiday Lets Benefits

    With the rise of Airbnb, beautiful UK summer weather and plenty of European visitors taking to our shores to reap the advantage of the weakest sterling position in memory, it is no surprise that holiday let mortgages continue to grow in popularity. Commercial Consultant, Andy Elley, explains what the benefits are and the type of investments we’re seeing…

  • Holiday Let Mortgages FAQS

    The exponential rise of Airbnb and similar sites is encouraging landlords to diversify into holiday lets, as the returns can be considerably higher than buy to let. But how do you finance these properties and will your existing BTL lender allow you to switch income model? Here are the answers to the questions we get asked most frequently.

  • 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 and mixed-use property. So, I thought I’d give you a flavour of what rates and terms you can expect to be offered in the current market.

  • From buy to let to commercial

    We have seen a pick-up in enquiries from residential landlords looking to move into commercial investment, with a particular increase in those looking to purchase a semi commercial property e.g. shop with flats above. In my opinion, there are two strong reasons for this activity...

  • Unsecured borrowing for business expansion

    Are you looking to expand your business? Perhaps you are looking to purchase a new premises, or you need funds for refurbishment. Andy Elley, Head of Commercial Mortgages, explains how we can help business owners achieve unsecured loans up to £10m.

  • Commercial mortgages and loans for pubs

    Funding solutions to help buy or refinance a pub are available whether you’re an experienced or would-be publican, an investor or developer. The challenge to getting pub finance is more about knowing which lender to approach and how. That’s where a specialist commercial mortgage broker can help, as Andy explains.

  • Cheap money anyone?

    A traditional business bank takes up the fight on encroaching challenger banks resulting in some competitive commercial mortgages. Even buy to let landlords want a piece of the action, as Andy Elley explains.

  • Direct to bank or via a broker?

    In 2016 we saw many of the high street banks continue to restructure and downsize their offerings to SMEs. But how has this affected companies trying to get a commercial mortgage or refinance their business premises? Andy Elley explains.

  • A cheaper alternative to bridging finance

    If you need finance in a hurry but don’t like the rates associated with bridging loans, there is an alternative but you have to be organised. Andy Elley explains.

  • Mortgages for holiday lets

    Are holiday lets profitable? What mortgage rates are available from lenders? What deposit do I need? Andy Elley, consultant mortgage broker explains.


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