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.

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.

11/05/2026

Our client owned valuable property but needed cash for business expansion. We refinanced their office building, releasing capital for growth without depleting savings. The funds enabled new hires and contract wins, proving property can be a strategic business tool. Drop us a message to discuss releasing capital from your assets.

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