Investment & business property
Investment, owner-occupier and semi-commercial finance arranged in Spain and the UK — for investors, trading businesses, family offices and expats.
In short
Commercial property finance is borrowing secured against offices, shops, industrial units, hotels, care homes and mixed-use buildings. Lenders assess rental income, tenant covenant and debt-service cover rather than relying mainly on personal income. Clifton International arranges it in Spain and the UK as an introducer, not a lender.
Reviewed by James Caldwell, Director, Clifton International.
Last updated Content review by our Clifton International finance team.
Where we arrange commercial finance
Investment and owner-occupier finance for Spanish offices, retail, hospitality, logistics and mixed-use assets — typically up to 60% loan-to-value, priced over 12-month Euribor.
Commercial mortgages, investment and semi-commercial finance across the UK for trading businesses, landlords, SPVs and expats — typically up to 75% loan-to-value owner-occupied.
Side by side
Typical ranges from our Spain and UK commercial pages. Every case is priced and sized individually — these are not quotes.
Proof of delivery
A large Spanish asset-backed facility, a Birmingham commercial portfolio summarised from Clifton Private Finance's published account, and a UK commercial bridge. Figures come from each case study itself.
€5.1m · ~47.7% LTV
€5.1m mortgage-backed credit line completed on a €10.7m prime Madrid home — repaying a €1.6m bank mortgage and releasing liquidity for professional investment.
Reported £1.5m capital raised · £2.4m portfolio · share purchase
Clifton Private Finance’s March 2022 account reports £1.5m capital raised for a British national spending most of his time in Canada, buying shares in a company holding a Birmingham portfolio of shops, offices and retail showrooms valued at £2.4m.
£850k · 65% LTV · 15-month commercial bridge
£850k commercial bridge to acquire and renovate a Dronfield care home, with a clean exit onto long-term commercial investment finance once trading data was established.
These are reported outcomes for the clients concerned. Lender criteria and individual circumstances vary, so the same result is not guaranteed. Property images are illustrative and do not show the clients' own homes.
Beyond Spain and the UK
Dedicated country hubs for Portugal, Germany and Ireland are launching through the year. For any other market, speak to us — cross-border commercial cases are arranged through our specialist partner network.
Lisbon, the Algarve and Porto — country hub launching soon.
EnquireInvestment property in Berlin, Munich, Frankfurt and beyond — launching soon.
EnquireDublin and regional Ireland — launching soon.
EnquireSwitzerland, Monaco, Dubai, the US and beyond — arranged by enquiry through our specialist partner network.
EnquireCommon questions
Commercial property finance is borrowing secured against offices, shops, industrial units, hotels, care homes or mixed-use buildings. Lenders focus on rental income, tenant covenant, lease length and debt-service cover rather than relying mainly on the borrower's personal income. Clifton International arranges it as an introducer, not a lender.
Spain and the United Kingdom today. Other jurisdictions can be arranged by enquiry through our specialist partner network.
In Spain, commercial facilities are typically up to 60% loan-to-value. In the UK, owner-occupied commercial mortgages typically reach up to 75% and investment facilities up to 70%, depending on tenant covenant, lease term, sector and borrower profile.
Yes. Specialist and challenger lenders in both countries finance British expats, foreign nationals, family offices and offshore or local company structures, subject to their criteria.
Yes. Spanish lenders commonly prefer a Spanish SL vehicle, and UK lenders routinely accept limited companies, SPVs and LLPs, often with personal or parent guarantees.
Yes. Where a purchase deadline comes before a term lender can approve, or a property needs refurbishment or trading history, a commercial bridge can complete first and refinance onto term finance later.
Ready to explore your options?
A discreet, no-obligation conversation with an adviser who arranges commercial finance across Spain, the UK and beyond.
