Warehouse and commercial property finance guides
Plain-English guides to buying, building, bridging and refinancing warehouse and industrial property in the UK.
These guides explain how warehouse and industrial property finance works, from what a commercial mortgage is to how development finance funds a ground-up logistics scheme. They are written and reviewed by Matt Lenzie, who has arranged more than £500 million of property finance over 25 years. When you want a real view on a deal, send it to us and we will come back within one working day.
What a commercial mortgage is, rates, deposit, and how to get one on a warehouse.
Commercial mortgages explained
How commercial mortgages work in the UK: rates, deposit and loan to value, eligibility, the process, and how to get one on a warehouse or industrial unit.
Read guide →Commercial mortgage rates
How commercial mortgage rates work in the UK, what drives them, typical pricing for warehouses and industrial units, and how to get the best rate.
Read guide →Commercial mortgage deposit
How much deposit you need for a commercial mortgage on a warehouse or industrial unit, typical loan to value, and how to reduce the deposit.
Read guide →How to get a commercial mortgage
A step-by-step guide to getting a commercial mortgage on a warehouse or industrial unit: eligibility, documents, the process and timescales.
Read guide →Commercial vs residential mortgages
How a commercial mortgage differs from a residential one: rates, deposit, term, regulation and underwriting, and which you need for a warehouse.
Read guide →Semi-commercial mortgages
What a semi-commercial mortgage is, how mixed-use property is financed, rates and loan to value, and when it applies to industrial premises.
Read guide →Can you get a mortgage on a warehouse?
Yes, you can get a mortgage on a warehouse. How commercial mortgages on warehouses work for investors and owner-occupiers, deposit, rates and lenders.
Read guide →The process, costs and due diligence of buying an industrial unit.
How to buy a warehouse
A step-by-step guide to buying a warehouse in the UK: costs, deposit, commercial mortgage, due diligence, EPC and the buying process for investors and owner-occupiers.
Read guide →The cost of buying a warehouse
The full cost of buying a warehouse in the UK: deposit, stamp duty, legal and survey fees, VAT, and the ongoing costs of ownership.
Read guide →Warehouse due diligence
A due-diligence checklist for buying a warehouse or industrial unit: title, lease, survey, EPC, planning use class, environmental and tenant checks.
Read guide →EPC and MEES rules for warehouses
How EPC ratings and MEES minimum-energy rules affect buying, letting and financing a warehouse, and why lenders increasingly care about the rating.
Read guide →What is a good yield on industrial property?
What counts as a good yield on a warehouse or industrial unit, how gross and net yields work, and current UK prime industrial yields with sources.
Read guide →Buying a warehouse for your business
How owner-occupiers buy a warehouse for their own business: commercial mortgage, deposit, SIPP/SSAS options, and the pros and cons of owning versus leasing.
Read guide →Buying commercial property at auction
How to buy a warehouse or industrial unit at auction, the 28-day completion, and how bridging finance lets you complete on time.
Read guide →How bridging loans work, costs, and when to use them on industrial property.
Bridging finance explained
What a bridging loan is and how it works: rates, costs, terms, regulated vs unregulated, and when to use bridging on a warehouse or industrial purchase.
Read guide →How does a bridging loan work?
How a bridging loan works step by step: gross vs net loan, rolled and retained interest, term, exit, and when to use one on an industrial purchase.
Read guide →Bridging loan rates
How bridging loan rates work in the UK, what drives them, typical monthly rates and fees, and how to keep the cost down on a warehouse bridge.
Read guide →How much does a bridging loan cost?
The full cost of a bridging loan: monthly interest, arrangement and exit fees, valuation and legals, and how to work out the total cost.
Read guide →Regulated vs unregulated bridging
The difference between regulated and unregulated bridging loans, which applies to warehouse and industrial deals, and what it means for you.
Read guide →Auction finance
How auction finance works for warehouses and industrial units, how to complete within 28 days, costs, and the move onto a term loan.
Read guide →Bridging loan exit strategy
Why a bridging loan needs a clear exit, the main exit routes (refinance to a term loan, sale, development), and what lenders want to see.
Read guide →Funding ground-up logistics and industrial schemes, LTC, LTGDV and drawdowns.
Industrial and logistics development finance explained
How development finance funds ground-up logistics and industrial schemes: loan to cost, loan to GDV, drawdowns, rolled-up interest and development exit.
Read guide →Loan to cost vs loan to GDV
What loan to cost (LTC) and loan to gross development value (LTGDV) mean, how lenders use both to size a development facility, and worked figures.
Read guide →Speculative vs pre-let development
How lenders treat speculative versus pre-let logistics and industrial schemes, the effect on leverage and rate, and which is easier to fund.
Read guide →How development drawdowns work
How development finance is released in stages against a monitoring surveyor, how interest is rolled up, and what triggers each drawdown.
Read guide →Development exit finance
How development exit finance refinances a completed warehouse scheme onto cheaper money while units sell or let, releasing equity for the next site.
Read guide →Funding a logistics scheme
How to fund a ground-up logistics or industrial scheme: land, build, LTC and LTGDV, the capital stack, and the route to a term loan.
Read guide →Development finance deposit
How much cash or equity you need for development finance on an industrial scheme, how LTC sets it, and how mezzanine or equity reduces it.
Read guide →Term loans, investment mortgages, stabilisation and refinancing a warehouse.
Warehouse term loans and investment mortgages explained
How term loans and commercial investment mortgages hold an income-producing warehouse: rates, LTV, DSCR and interest cover, amortisation and refinancing.
Read guide →Stabilisation loans
What a stabilisation loan is and how it carries a newly built or part-let warehouse from practical completion to fully let income before a term loan.
Read guide →What is an investment mortgage?
What a commercial investment mortgage is, how it funds a let warehouse held for income, rates, loan to value and how lenders size it.
Read guide →Remortgaging a warehouse
When and how to remortgage a warehouse: releasing equity, improving your rate, moving off bridging, and what lenders look for on a refinance.
Read guide →DSCR and interest cover
What debt service coverage ratio and interest cover mean, how lenders use them to size a commercial mortgage from rental income, with worked figures.
Read guide →Interest only vs repayment
The difference between interest only and capital-and-interest commercial mortgages, the effect on monthly cost and risk, and which suits investors.
Read guide →Commercial mortgage term and amortisation
How long commercial mortgage terms run, how amortisation works, and how the term affects the monthly payment and total interest on a warehouse loan.
Read guide →The UK industrial and logistics market, yields, and the warehouse sub-types.
The UK industrial and logistics property market
The UK industrial and logistics market explained: take-up, vacancy, prime rents and yields, the Golden Triangle, and what it means for warehouse finance.
Read guide →The Golden Triangle
What the logistics Golden Triangle is, why the East Midlands is the UK distribution heartland, and what it means for warehouse demand and finance.
Read guide →Big-box vs multi-let industrial
How big-box distribution and multi-let industrial estates compare as investments and how each is financed, on covenant, yield and management.
Read guide →Cold storage finance
What makes cold storage different to fund: high fit-out cost, specialist operators, energy use, and how lenders approach temperature-controlled assets.
Read guide →Open storage / IOS
Why industrial outdoor storage (IOS) has become a sought-after asset class, its low capex and strong yields, and how open-storage sites are financed.
Read guide →Understanding industrial yields
How industrial property yields work, the difference between prime and secondary, current UK levels with sources, and what they mean for value and finance.
Read guide →UK logistics market outlook
The outlook for UK warehouse and logistics property: take-up, supply, rents and yields into 2026, with sourced figures and what it means for borrowers.
Read guide →Got a warehouse deal in mind?
Send us the outline and we will come back with a view on fundability and likely terms within one working day.