313 Commercial

313 Commercial 313 Commercial are an Independent Specialist Consultancy, we provide Commercial and Business Finance support to SME clients throughout the whole of the UK.

Whether your business is well established or a new start we can help you.

03/09/2026

More people are using commercial property as a genuine route to early retirement, and it's not hard to see why. Compared to residential buy-to-lets, commercial properties typically offer longer leases, stronger yields, and far fewer day-to-day management headaches. One solid unit with a reliable tenant can provide consistent income for years. Add capital growth, hold it inside a limited company or SIPP pension for the tax advantages, and you're building something that works for you long after you stop working. You don't need to start big. You just need to start smart. Drop us a message and let's talk about what this could look like for you.

31/08/2026

If you've got a development nearing completion, you don't have to wait for a buyer before you see any return. A development exit loan lets you refinance off your existing development finance at a lower rate, cutting your monthly costs while the property is on the market. Some lenders will also lend against the completed value, meaning you can release equity now and put it straight into your next project. It's a strategy that keeps your momentum going rather than grinding to a halt between deals. If you've got something in the ground or near completion, drop us a message and let's plan your exit.

27/08/2026

If your bridging loan is coming to an end and your exit isn't in place, you have more options than you think. Extensions, refinancing onto a new bridge, or converting to a commercial mortgage; there are real solutions available. The key is not waiting until the deadline is upon you. Lenders are far more flexible when approached early with a clear plan. We help investors navigate exactly this kind of situation every week. Drop us a message and let's talk through what works best for you.

24/08/2026

Most people assume bridging loans always come with monthly interest payments. That's not always the case. A retained interest bridging loan works differently. The lender calculates the total interest upfront and adds it to the loan. You repay everything in one go at the end of the term. No monthly payments. No cash flow pressure while your project is running. It's particularly useful during refurbishments, when you're waiting on a sale, or when your income is tied up elsewhere. The overall cost can be slightly higher, but for the right situation it's a very practical solution. Drop us a message and let's talk through whether it suits your next project.

20/08/2026

When it comes to bridging finance, the headline rate is only part of the picture. Arrangement fees, exit fees, legal costs, and valuation fees all affect the true cost of the loan. A deal at 0.75% per month with a 2% arrangement fee can end up costing more than one at 0.85% with no exit fees. Speed and flexibility matter too. A lender who completes faster could save a deal entirely. And if your circumstances are complex, working with someone who understands your situation is worth far more than a small rate difference. The cheapest rate on paper is not always the cheapest loan in practice. Get in touch and let's find the right deal for your next project.

17/08/2026

If you own a portfolio of properties each with its own mortgage, the costs are likely higher than you think. Separate arrangement fees, legal costs, valuations, and renewals all add up. And if some of those properties have drifted onto a lender's standard variable rate, you're almost certainly overpaying on interest too. We helped a client consolidate their entire portfolio into a single commercial mortgage. One rate. One renewal. One set of fees. That single change added £21,000 to their annual profit without selling anything. If your portfolio is spread across multiple deals, it might be time to review the whole picture. Get in touch and let's look at the numbers together.

13/08/2026

If you own multiple properties, each with its own mortgage, you're paying for separate legal advice on every single one. Across five, eight, or twelve properties, that's a cost most landlords don't stop to calculate, but it adds up quickly. Consolidating your portfolio into a single commercial mortgage means one set of legal fees, one renewal process, and often a better rate across the board. It's one of those straightforward changes that can make a real difference to what you're left with at the end of the year. Drop us a message if you'd like to look at whether consolidation makes sense for your portfolio.

10/08/2026

If you're looking at development finance, understanding how drawdowns work could save you a significant amount of money. You don't take the full loan upfront. Instead, funds are released in stages as the build progresses. And you only pay interest on what you've actually drawn down. So if your loan is £500,000 but you've only drawn £150,000, you're only being charged on £150,000. Structured correctly, this can reduce your finance costs considerably over the course of a project. It's one of those details that makes a real difference to the numbers. Get in touch if you want to make sure your next project is set up the right way.

06/08/2026

Industrial property posted the highest monthly total return of any commercial sector in March 2026. Annual capital value growth is running at 2.7%, ahead of the all-property average. While other sectors face uncertainty, industrial and logistics continues to perform. And yet most investors are still focused on residential buy-to-lets, often with tighter margins and more management demands. The right industrial unit, in the right location, with the right finance in place, can generate strong returns with far less complexity. If this is something you'd like to explore, get in touch and let's look at what's possible.

03/08/2026

UK industrial and logistics take-up rose 5% in 2025, hitting a three-year high of 40.2 million sq ft. And here's what makes that significant. Speculative new development in 2026 is forecast to be the lowest since 2017. More demand coming through. Less new supply to meet it. That puts upward pressure on rents and protects the value of existing assets. Prime rents are forecast to grow 3.1% in 2026, with stronger growth expected in Yorkshire and the North West. The finance is there. The demand is there. The supply is tightening. If industrial property is something you've been thinking about, now is a good time to get in touch.

Address

Durham
DH15JZ

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441912286969

Website

Alerts

Be the first to know and let us send you an email when 313 Commercial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to 313 Commercial:

Shortcuts

Share

Category