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'A focus on commercial lending and how to unlock potential revenue streams’

'A focus on commercial lending and how to unlock potential revenue streams’. Craig Leyland, Director Intermediary Development UK Business Banking. Agenda. Welcome The commercial finance marketplace Differences between residential and commercial Risk assessment What do we lend for?

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'A focus on commercial lending and how to unlock potential revenue streams’

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  1. 'A focus on commercial lending and how to unlock potential revenue streams’ Craig Leyland, Director Intermediary Development UK Business Banking

  2. Agenda • Welcome • The commercial finance marketplace • Differences between residential and commercial • Risk assessment • What do we lend for? • Proud to be different • Award winning • How do I find out more?

  3. The Commercial Finance Marketplace • Total commercial finance market c.£200bn. • Commercial mortgage market c.£80bn. • Only 15%~20% currently brokered in the UK • BTL was similar 7 years ago • Will commercial mortgages become the next BTL ?

  4. The Difference between Commercial & Residential • Priced on a deal by deal basis • No two deals are the same • No sourcing system • No income multiples • Based on risk • More detailed valuation process

  5. Risk Assessment

  6. Risk Assessment Quality of the business Serviceability Quality of the individuals Quality of the security

  7. What will we lend for ? • Commercial mortgages e.g. owner occupied purchase, investment purchases etc. Up to 80% LTV, 25 years, up to 3 years capital holiday • Hotels LTV up to 80%, with terms above • Buy-to-let portfolios up to 85% interest only up to 25 years • Residential development loans to cost range 65 to 75%; extended criteria for experienced builders • Interest rate management (IRM) solutions • 100% funding in certain sectors

  8. Proud to be different • Dedicated broker BDM workforce of 120 covering England & Wales • Dedicated processing unit for all broker introduced business • We’re totally transparent ~ we charge our arrangement fee and allow the broker to charge their fee

  9. Award Winning ! • Financial Adviser ~ Best Commercial Mortgage Provider 2008 • NACFB ~ Best Business Bank 2004 ~ 2007

  10. Ways to market and finding out more • Broker to broker • Specialist commercial packager • Direct to lender • Speak to me or one of my BDMs over the lunch period • Speak to Adam Tyler, CEO of the National Association of Commercial Finance Brokers (07733 204811)

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