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Principals For Finance

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United Kingdom
Sevenoaks
Principals For Finance

30+years as a whole-market broker expert in loans, mortgages, insurance, and financial advice your trusted partner for financial solutions since 2004.

With 30+ years of expertise, we're your whole-of-market Broker offering access to diverse providers specializing in Mortgages Bridging & Development Commercial Loan, General Insurance (via Bima), Health & Life Protection (via Regency Financial Services).

12/08/2026

At first glance, it’s just one commercial property.
But to three different buyers, it could represent three completely different opportunities.

A business owner may want to operate from it.

An investor may see long-term rental income.

A developer may see the potential to transform the site.

The property is the same. The commercial objective isn’t.

That’s why Commercial Property Finance isn’t a one-size-fits-all solution.
The funding structure, lender assessment and finance options can all vary depending on why you’re buying the property, not just what you’re buying.
Over the coming weeks, we’ll explore Commercial Property Finance in more detail, including:

• Commercial Mortgages
• Commercial Property Types
• Owner-Occupier vs Investment Property
• Valuations
• Due Diligence
• OpCo / PropCo Structures
• Common Risks & Considerations

Understanding the objective is the first step towards choosing the right funding solution.

Don’t just buy the property.

Buy it with the right strategy behind you.

Let’s talk.

📧 [email protected]
🌐 www.principals.biz
📞 0208 049 3124

Authorised and regulated by the Financial Conduct Authority 313934

This content is for information only and does not constitute financial advice. Funding is subject to lender criteria.

10/08/2026

When people hear the words commercial finance, they often think of a commercial mortgage.

But commercial finance is much broader than that.

Businesses have different goals. Some want to buy premises. Others need equipment, improve cash flow, acquire another business or fund a property development.

Each objective requires a different funding solution.

Understanding the difference is the first step towards choosing finance that’s structured around your business, not just the amount you want to borrow.

Over the coming weeks, we’ll explore each funding solution in more detail, starting with Commercial Property Finance.

📧 [email protected]
🌐 www.principals.biz
📞 0208 049 3124

Authorised and regulated by the Financial Conduct Authority 313934

This content is for information only and does not constitute financial advice. Funding is subject to lender criteria.

Principals is a residential & commercial finance broker and not a lender. We work with a panel of lenders. All finance is subject to eligibility and lender criteria. Terms and conditions apply.

01/08/2026

When people think of commercial property, they often picture offices or shops.

In reality, commercial property covers a much wider range of buildings used for business purposes, from warehouses and hotels to medical practices, nurseries and mixed-use developments.

Understanding this distinction is important because commercial finance isn’t based on a single type of property. Every lender has its own lending criteria, and each application is assessed on its individual merits.

This is the first post in our series, where we’ll be breaking down commercial finance into clear, practical insights, helping you better understand the terminology, the lending process and the factors that can influence finance decisions.

Follow along as we explore commercial finance, one topic at a time.

📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876

Authorised and regulated by the Financial Conduct Authority 313934

This content is for information only and does not constitute financial advice. Funding is subject to lender criteria.

30/07/2026

Behind every successful completion is months of planning and problem-solving.
We’re delighted to have completed an £8,832,750 refinance for a client in the hospitality sector, working alongside Allica Bank.
Transactions of this size are never straightforward. One of the key complexities of this transaction was the company’s recent restructuring. The revised corporate structure required additional due diligence, extensive documentation, and close coordination between all the parties.
Delivering a successful outcome required constant communication, meticulous attention to detail, and close collaboration between all parties—from the initial structuring through to completion. It was a true team effort, with everyone working together to overcome challenges and keep the transaction moving forward.
A sincere thank you to Allica Bank for their support throughout the process, and to the solicitors whose dedication, responsiveness, and expertise were instrumental in achieving a smooth completion.
Congratulations to everyone involved—we’re proud to have helped our client secure the right funding for the next stage of their journey.

27/05/2026

During the valuation and legal process, lenders or surveyors may sometimes identify factors that require further review before a purchase can proceed.

Examples can include valuation concerns, lease-related matters, property condition issues, or construction-related considerations.

Understanding potential challenges early can help buyers feel more prepared throughout the mortgage and property purchase process.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876

Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

25/05/2026

A Buy-to-Let purchase typically involves several stages, including mortgage checks, property valuation, legal work, and lender assessment.
While every transaction is different, understanding the general process can help landlords feel more prepared throughout the purchase journey.
Timescales and requirements can vary depending on the lender, property type, legal process, and individual circumstances.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876
Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

20/05/2026

Choosing a Buy-to-Let property often involves reviewing a range of factors beyond the purchase price alone.

Landlords may consider elements such as local tenant demand, transport links, rental income potential, property type, and longer-term location considerations before proceeding with a purchase.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876

Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

18/05/2026

Understanding Buy-to-Let affordability can sometimes feel complicated, particularly for first-time landlords.

When assessing a Buy-to-Let mortgage application, lenders may consider factors such as anticipated rental income, affordability calculations, stress testing, property details, and an applicant’s wider financial circumstances.

Lending criteria and affordability requirements can vary significantly between lenders and mortgage products.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876
Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

11/05/2026

Understanding how lenders assess Buy-to-Let affordability can make a significant difference to your application.

From rental coverage requirements to interest rate stress testing, each factor plays a role in how much you may be able to borrow.

As criteria can vary between lenders, structuring your application correctly is key.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876

Mortgage is a loan secured against your home . Your home may be repossessed if you do not keep up repayments on you mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

Mortgage approval is subject to lender criteria and affordability.

07/05/2026

Buying a property to rent out is known as Buy-to-Let.
Unlike a standard residential mortgage, lenders usually place significant emphasis on the expected rental income, often assessing whether it can cover the mortgage with a safety margin.
Buy-to-Let mortgages are assessed differently. Deposits are typically higher, commonly around 25%, and criteria can be stricter depending on the lender and individual circumstances.
Some people use Buy-to-Let for long-term property growth, while others focus on generating rental income. The right approach depends on your personal situation and objectives.
Understanding how it works before making any decisions can help you plan more effectively.
Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876
Mortgage is a loan secured against your home . Your home may be repossessed if you do not keep up repayments on you mortgage or any other debt secured on it.
Authorised and regulated by the Financial Conduct Authority 313934
This post is for information only and does not constitute financial advice. Mortgage approval is subject to lender criteria and affordability

Address

Principals Keepers Cottage, Orpington By-Pass
Sevenoaks
TN147AG

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+442081878876

Website

https://principals.biz/

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