Property Investment Finance -

  • Commercial, Semi Commercial, HMO & BTL Portfolios

The Property Investment market is a complex one.  There are many types of investor and many asset types. 


Investors come with different experience, different risk appetite and different views on what aspect of the deal negotiation is important to them.


At Carbon Cambridge we use our vast experience of the sector to tailor a solution to suit every type of investor to ensure that they are satisfied.  No matter the complexity, we have the skillset and the industry connections to find the right option.  

Commercial Property & Buy to Let Finance

Commercial Property Finance is where a property investor rents their asset to a 3rd party tenant. 


Assets can include, but are not limited to:-

  • Residential assets
  • Industrial Units
  • Retail and wholesale assets
  • Hotels
  • Care Homes
  • Manufacturing units
  • Semi commercial properties
  • Serviced Office Finance
  • Student Accommodation Finance
  • HMO Finance


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Whether you are a first time investor or a professional investor, this can be a complex market and lenders are constantly changing their approach and appetite levels. 


At Carbon we stay on top of the market and where possible deliver multiple options for the client, explaining the pros and cons in each scenario so you are able to make an informed choice on the options presented.


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HMO Finance - Houses in Multiple Occupation are residential assets occupied by at least 3 tenants and where they will typically share communal areas such as Bathrooms or Kitchens.

HMO's typically yield higher than standard lettings and this can be an advantage when looking at lenders Loan to value offerings, however lenders will all have different attitudes to these types of asset and the suitability of their locations, so it is important to know who to approach

HMO's must be fully licensed and have the requisite planning permission.


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Semi Commercial Property Finance - this is where you have a mix of trading business leases and residential leases.  Typically a shop with flats on the uppers.  The stronger the tenants and the longer the commercial lease profile, the easier it is to obtain competitive finance offers



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