Café Property Purchase for an Established Business

Schools-Finance recently helped a long-established café business secure a £142,000 commercial mortgage to purchase the premises from which it had successfully traded for a number of years.

When the property owner decided to sell, the business saw an opportunity to secure its future by becoming the owner of the building rather than continuing as a tenant. Purchasing the premises would provide long-term stability and allow the owners to build a valuable asset alongside their trading business.

With only a limited deposit available, securing the right funding solution was essential. Schools-Finance worked closely with the client to source a lender that could provide a high level of borrowing while taking a practical view of the business’s circumstances and affordability.

The funding was successfully arranged at 75% loan-to-value with a five-year fixed rate, allowing the purchase to complete smoothly. As a result, the business owners secured the property they had occupied for years, protecting their trading location and strengthening their long-term financial position.