The Property Finance experts

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Book your free 30-min call with one of our expert advisers at a time that best suits you

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We provide finance solutions tailored to your needs

Buy-to-let Mortgages

Purchase or refinance of residential investments assets.

Development Finance

New-build or refurbishment of residential and commercial assets.

Commercial Mortgages

Purchase or refinance of commercial asset.

Bridging Finance

Short-term lending to allow quick purchase or refinance.

Unicorn Commercial finance is a team of highly experienced and qualified professionals who are well versed in the field of property finance and the various available options.

We have a wide range of products and know the latest market developments to ensure the best possible advice and outcomes for our clients. Our team possess the ability to help clients review their options and permissions, identify financial risks and provide sound investment strategies.


Additionally, we offer excellent customer service and communication, as well as access to an extensive network of lenders and other industry professionals, so we are able to source the right solution quickly and efficiently. Above all, the Unicorn team have a proven track record of successfully funding loans and delivering results for our clients, so clients can trust that their interests are being met and their financial goals are being achieved.

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5 Reasons Why You Can Rely on Unicorn:

1. You will have a dedicated advisor and you will deal with that one broker from start to finish.

2. Your expert advisor will be on-hand to guide you throughout the whole process and will always be just a phone call or a WhatsApp away.

3. No question is too big or too small - for us it’s important that you fully understand your options and enjoy the process, so please ask away!

4. We understand that time is of the essence, and we work hard to turn things around in the quickest time possible

5. When you become a client of Unicorn Commercial Finance you become a part of The Unicorn Group. This means you’ll have access to expertise across all of our financial services brands.

Finance FAQs

See below some common questions and answers below, or call us at 03332 423 447

  • What types of commercial properties qualify for financing?

    Most types of commercial properties such as offices, warehouses, retail buildings, and multifamily units can be financed, as long as they generate reliable income.

  • How does the loan-to-value ratio (LTV) affect financing?

    LTV ratio directly impacts how much finance a client can secure. Higher LTV ratios indicate higher risk for lenders, which usually translates to higher interest rates.

  • How is the interest rate calculated for commercial property loans?

    The interest rate for commercial property loans is calculated based on several factors, including the borrower’s creditworthiness, the property’s location and condition, loan term, and the size of down payment.

  • How much down payment is required for commercial property financing?

    Some lenders may require down payments as low as 10%, while others may require up to 40%. The down payment amount required depends on the type of property and the borrower's creditworthiness

  • What are the advantages of using a commercial property finance broker?

    A commercial property finance broker can help borrowers navigate the complex process of securing finance, negotiate more favourable loan terms, access a wider range of lenders and provide expertise on the market.

  • What are the typical loan terms for commercial property loans?

    The loan term for commercial property loans can range from one year (short-term) to 30 years (long-term). However, most commercial property loans range between 5-15 years.

  • What are the usual fees associated with commercial property loans?

    Fees include origination fees, appraisal fees, credit report fees, and legal fees, and other costs that vary depends on the type of loan, terms, and location.

  • Can first-time buyers get commercial property loans?

    Yes, first-time buyers can get commercial property loans, but some conditions might apply, such as higher interest rates, bigger down payments or lower LTV ratios.

  • What documentation is required to apply for commercial property financing?

    Generally, lenders require proof of income, business or personal tax returns, a detailed financial statement, and property details such as title deeds, leasehold agreements, and appraisal reports.

  • How long does it take to secure commercial property financing?

    Depending on the lender, securing commercial property financing can take anywhere from 2-4 weeks to several months.

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