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.

15/06/2026

Biggest myth about auction finance? That you can arrange it after you've found a property. Wrong. Auction completion timeframes are tight and the penalties for missing them are huge. Buyers regularly lose deposits or miss out entirely because their finance wasn't ready. Set it up beforehand and you can bid with confidence. It's simpler than people think. Drop us a message and we'll get you ready for your next auction.

11/06/2026

Sitting on a commercial property? You're probably sitting on untapped equity. You don't need to sell to access it. A commercial remortgage lets lenders reassess the value and income, releasing capital for a deposit on your next property, a refurbishment, or anything else you want to invest in. How much depends on the current LTV and DSCR. Drop us a message to see what's available against your property.

08/06/2026

Shop downstairs, flats above? That's a mixed-use property and it sits in a semi-commercial category that needs specialist finance. Standard residential and commercial mortgages don't fit. Lenders assess the income split and the dominant use of the building when underwriting. The finance exists, it just needs structuring correctly. That's where we come in. Get in touch to discuss your project.

04/06/2026

Not all commercial property is performing equally in 2026. Retail is leading the pack at 8.6% annual returns, driven by experiential retail. Industrial sits close behind at 7.8% thanks to ongoing logistics demand. Offices are lagging at 2.8% despite the flight-to-quality trend. Sector choice matters more than ever for serious investors. Wherever you're focused, drop us a message and we'll discuss the right structure for your strategy.

01/06/2026

Applying for a commercial mortgage on a trading business? Lenders look at far more than just the property. They examine your accounts in detail, looking for consistency over time, not one record-breaking year. Declining turnover, large director loans, and unexplained add-backs can sink your application. The fix is preparation. Clean up your accounts, present your numbers properly, and approach the right lender. Drop us a message for expert guidance.

28/05/2026

Ever heard of DSCR? It's the Debt Service Coverage Ratio and it can make or break your commercial mortgage application. It checks whether your property income covers the debt. £1.20 of income for every £1 of debt is a DSCR of 1.2. Different lenders accept different levels of risk, and getting matched to the right one matters. Get the wrong lender and you'll need a bigger deposit, or worse, the deal collapses. Drop us a message and we'll match you to the right lender.

25/05/2026

Tired of paying rent to your landlord every month? Our client bought the property he runs his business from using his pension scheme. No personal savings touched, no business cash flow disrupted. He cut out the landlord, owns the building, and built a retirement asset at the same time. There were significant tax savings too. Drop us a message to find out if your pension could buy your premises.

21/05/2026

We saved a client £400 a month on their commercial mortgage. They were locked into a 9.5% rate, which was well above the market. After an initial conversation we secured them a deal at a significantly lower rate. We access lenders most brokers don't even know about. That's how we cut their payments by thousands a year and freed up cash for the business. Drop us a message to find out what your mortgage could look like.

18/05/2026

Our client owned 27 mortgage-free properties and wanted to release capital for further growth. Six separate applications would have meant six sets of legal fees. We bundled the lending across 6 properties into a single facility, released £500,000, and saved them thousands in legal costs. Automatic property valuations cut the time down too. The right structure pays for itself. Get in touch to discuss your portfolio.

15/05/2026

Want to grow your portfolio without using fresh capital? Our client did exactly that. By leveraging equity in their existing rental property, we structured bridging finance across both assets and secured a new project in their limited company. No personal funds used, no company cash drained. The right structure unlocks the next opportunity. Drop us a message to discuss what your portfolio could do for you.

Address

Durham
DH15JZ

Opening Hours

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

Telephone

+441912286969

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