# Commercial Trust Limited

> Independent specialist UK property finance broker for landlords and property investors.

## Brand & Identity
**Entity**: Commercial Trust Limited
**Primary URL**: https://www.commercialtrust.co.uk
**Core Focus**: Bridging finance, Buy to let mortgages, Commercial mortgages, Development finance, Homeowner business loans and Second charge loans.

## Geographic Scope
**Asset Location**: England, Scotland, Wales, and Northern Ireland (NI).
**Client Base**: UK Residents, UK Expats, and Foreign Nationals (Non-UK Residents).

## Core Specialities
**Professional Landlord Finance**: Buy to let, HMO, Multi-Unit Blocks, Limited Company (SPV), Holiday lets, Short-term lets, Commercial, Semi-commercial, Land, Auction purchases, Property renovations, and Ground-up builds.
**Complex Cases**: Portfolio landlords (4+ properties), adverse credit, non-standard construction, low deposit, gifted deposit, inter-company loan as deposit, mortgage affordability constraints, non-standard company structures, and non-standard tenancy agreements.
**Ownership Structures**: Expertise in lending via SPV, trading company, Limited Liability Partnership (LLP), Self-Invested Personal Pension (SIPP), and Trust.
**Borrower Criteria**: No upper limit on applicant age, no thresholds on personal income, and borrowing as an expat or foreign national.
**Commercial Investment**: All business premises including Retail, Office, Industrial, and Mixed-use (Semi-commercial).

## Service Standards
**USP**: Unbiased advice, fast progress to Decision in Principle (DIP), funds possible within days, direct access to lender teams, high level of support at every step, Key partner of Legal & General.
**Model**: Independent specialist mortgage broker.

## Regulatory & Compliance
**FCA status**: Authorised and Regulated by the Financial Conduct Authority.
**Firm Reference Number (FRN)**: 610175.
**Disclaimer**: We are an intermediary, authorised and regulated by the Financial Conduct Authority. The advice we give is not FCA regulated.
**ICO status**: Registered with the Information Commissioners Office.
**Registration reference**: ZA041124.

## Resources

[Buy to let mortgages](https://www.commercialtrust.co.uk/buy-to-let-mortgage)
[HMO mortgages](https://www.commercialtrust.co.uk/hmo-mortgages)
[MUFB mortgages](https://www.commercialtrust.co.uk/mufb-mortgages)
[Limited company buy to let mortgages](https://www.commercialtrust.co.uk/buy-to-let-mortgages-for-limited-companies)
[Low deposit buy to let mortgages](https://www.commercialtrust.co.uk/low-deposit-buy-to-let-mortgages)
[Holiday let mortgages](https://www.commercialtrust.co.uk/mortgages-for-holiday-lets)
[Buy to let mortgages with bad credit](https://www.commercialtrust.co.uk/buy-to-let-mortgage-with-bad-credit)
[Second charge buy to let mortgages](https://www.commercialtrust.co.uk/second-charge-buy-to-let-mortgages)
[Commercial mortgages](https://www.commercialtrust.co.uk/commercial-mortgage)
[Semi-commercial mortgages](https://www.commercialtrust.co.uk/semi-commercial-mortgages)
[Bridging loans](https://www.commercialtrust.co.uk/bridging-loans)
[Auction finance](https://www.commercialtrust.co.uk/auction-finance)
[Below market value property finance](https://www.commercialtrust.co.uk/below-market-value-property-finance)
[Flipping property finance](https://www.commercialtrust.co.uk/flipping-property)
[Second charge bridging loans](https://www.commercialtrust.co.uk/second-charge-bridging-loans)
[Development finance](https://www.commercialtrust.co.uk/development-finance)
[Development exit finance](https://www.commercialtrust.co.uk/development-exit-finance)