'A focus on commercial lending and how to unlock potential revenue
streams’
Craig Leyland, Director Intermediary DevelopmentUK Business Banking
• Welcome
• The commercial finance marketplace
• Differences between residential and commercial
• Risk assessment
• What do we lend for?
• Proud to be different
• Award winning
• How do I find out more?
Agenda
• Total commercial finance market c.£200bn.
• Commercial mortgage market c.£80bn.
• Only 15%~20% currently brokered in the UK
• BTL was similar 7 years ago
• Will commercial mortgages become the next BTL ?
The Commercial Finance Marketplace
• Priced on a deal by deal basis
• No two deals are the same
• No sourcing system
• No income multiples
• Based on risk
• More detailed valuation process
The Difference between Commercial & Residential
Risk Assessment
Risk Assessment
Quality of the business
Quality of the security
Serviceability
Quality of the individuals
• Commercial mortgages e.g. owner occupied purchase, investment purchases etc. Up to 80% LTV, 25 years, up to 3 years capital holiday
• Hotels LTV up to 80%, with terms above
• Buy-to-let portfolios up to 85% interest only up to 25 years
• Residential development loans to cost range 65 to 75%; extended criteria for experienced builders
• Interest rate management (IRM) solutions
• 100% funding in certain sectors
What will we lend for ?
• Dedicated broker BDM workforce of 120 covering England & Wales
• Dedicated processing unit for all broker introduced business
• We’re totally transparent ~ we charge our arrangement fee and allow the broker to charge their fee
Proud to be different
Award Winning !
Financial Adviser ~ Best Commercial Mortgage Provider 2008
NACFB ~ Best Business Bank 2004 ~ 2007
• Broker to broker
• Specialist commercial packager
• Direct to lender
• Speak to me or one of my BDMs over the lunch period
• Speak to Adam Tyler, CEO of the National Association of Commercial Finance Brokers (07733 204811)
Ways to market and finding out more