Lime Finance Solutions

The South East Investment Fund has arrived, offering £210m to South East businesses across debt and equity funding. It risks being a great scheme that nobody knows about. Full details available on the link, including pdf download and how to apply.

Fixed rate commercial mortgage expiring? Based on what is happening with swap rates at present here is what I would be doing about it now. lime-fs.com/fixed-rate-m... #fixedrate #commercialmortgage #expiringrate #interestrate

Lenders are increasingly checking how their buy to lets are being used. A standard buy to let mortgage used as a short term let isn't going to pass going forward. The message? The right mortgage for the right type of tenancy. The risk of getting it wrong is too big. #buytolet #shorttermlet #sevice

The South East Investment Fund has launched, offering £210m to South East based businesses across debt and equity funding. It risks being another great scheme that nobody knows about. More info available on the link, including pdf download and how to apply.

5 Ways AI is Transforming Commercial Mortgages The world of commercial lending is evolving fast. AI isn't just a buzzword; it’s estimated that AI-enabled decisioning will reduce commercial mortgage processing times by over 40% in 2026. Here are the 5 biggest ways AI is impacting applications rig

Fixed rate commercial mortgage expiring? Based on what is happening with borrowing costs at present here is what I would do about it now. lime-fs.com/fixed-rate-m... #fixedrate #commercialmortgage #expiringrate #interestrate

Tax Calculation vs. Tax Year Overview: What’s the Difference? If you're a director, landlord, or self-employed professional applying for a commercial loan, your lender will nearly always ask for these 2 documents. Getting them mixed up is one of the most common reasons for application delays! Do

5 Things to Look Before Signing a Personal Guarantee. If you’re a business owner or director, a Personal Guarantee (PG) is often the key to unlocking finance. But it also means your personal assets - like your home or savings - may be on the line. Here are five critical things to check. #Busine

Super happy to have completed this Development Mortgage for one of our regular property developer customers. Overcoming a few land issues and property restrictions on the way! Big thank you to the lender for working with us and the solicitors for getting this one done! #developmentlending #develop

Lenders are more regularly reviewing how their buy to lets are being used. A standard buy to let loan used as a short term let isn't going to pass going forward. The message? The right mortgage for the right type of tenancy. The risk of getting it wrong is too big. #buytolet #shorttermlet #seviced

The South East Investment Fund has arrived, offering £210m to South East businesses on debt and equity funding. It risks being a great scheme that nobody knows about. More info available on the link, including pdf download and how to apply.

The UK commercial property market is seeing a major shift: more businesses are ditching leases for ownership. Commercial mortgage lending is up significantly, driven by the desire for stability and control as well as landlords looking to exit. Why the rush to buy? Security: Escape unpredictable re

Market update: things are still moving steady out there this July! Buyer registrations are up, more new instructions coming through, and on the lettings side demand is still well ahead of supply. Nine applicants for every property available, would you believe! For landlords, this is exactly the ki

Fixed rate commercial mortgage expiring? Based on what is happening with swap rates at present here is what I would do about it now. lime-fs.com/fixed-rate-m... #fixedrate #commercialmortgage #expiringrate #interestrate

Thinking of investing in the growing student let market? Student lets can provide attractive, but borrowing and compliance are key challenges. Smart Moves for Landlords: Get Specialist Finance: Most student properties require a Student Let Mortgage or HMO Mortgage (often requiring 25-30% deposit).

Property Developers don't pick the wrong finance! The project scope dictates your funding structure. Bridging Loans are asset-backed and quick - ideal for quick acquisitions, chain breaks, and light cosmetic renovations. They offer quick capital but require a clear, fast exit. Development Finance

Delighted to see this working capital finance complete for one of our superb customers. The facility enables the client to grow their business and better meet the demand they are seeing. A fast turnaround business loan completed. #smallbusiness #businessloan #cashflow #SME #limefinancesolutions

Lenders are more regularly checking how their buy to lets are being used. A standard buy to let loan used as a short term let isn't going to wash going forward. The message? The right mortgage for the right type of tenancy. The risk of getting it wrong is too big. #buytolet #shorttermlet #seviceda

The South East Investment Fund has launched, offering £210m to South East businesses on debt and equity funding. It risks being another great scheme that nobody knows about. More info available on the link, including pdf download and how to apply.

The UK business finance market is being fundamentally reshaped by the rise of unsecured business lenders. As traditional high-street banks become more risk-averse (with approval rates dropping below 50% for SMEs), agile fintechs are bridging the gap. Key Drivers: Speed: Digital platforms use AI an

A sole 5-digit code - your SIC-Code (Standard Industrial Classification)—holds the power to make or break your small business finance application. Why it matters to lenders: Risk Assessment: Lenders use it to instantly gauge the underlying risk of your industry (e.g., hospitality vs. professional

Fixed rate commercial mortgage due to expire? Based on what is happening with swap rates at present here is what I would be doing about it now. lime-fs.com/fixed-rate-m... #fixedrate #commercialmortgage #expiringrate #interestrate

Refurbs are now a vital aspect of the UK property market, outpacing new builds for many investors. With short-term lending for refurbs doubling in recent periods, the opportunity to unlock value is increasingly clear: Value Uplift: Renovations significantly boost property value and are faster than

For professional landlords, 2026 is a significant opportunity in the UK Buy-to-Let market. The market shift is driven by three factors: Rate Normalisation: Stabilising BofE rates are improving BTL Mortgage affordability and making rental coverage stress tests easier to pass. Unstoppable Demand: H

Super delighted to have completed this refinance for one of our superb clients. Solving a few lease issues and reducing their cost of borrowing. Big thank you to the lender for working with us and the solicitors for getting this one done! #remortgage #commercialmortgage #mortgage #London #property

Lenders are more regularly checking how their buy to lets are being used. A standard buy to let mortgage used as a short term let isn't going to pass going forward. The message? The right mortgage for the right type of tenancy. The risk of getting it wrong is too big. #buytolet #shorttermlet #sevi

The South East Investment Fund has launched, offering £210m to South East businesses across debt and equity funding. It risks being a great scheme that nobody knows about. Full details available on the link, including pdf download and how to apply.

The UK property development market for the next year is defined by innovation and sustainability. It's a pivotal year where change is mandatory, not optional. Key Trends Shaping 2026: Sustainability as Standard: Net-zero projects and exceeding EPC ratings are now the baseline, leading to better ac

‘Abolish landlords’ party deputy leader revealed as landlord 7 September 2026 | By Marc da Silva | 2 454 The Green Party’s deputy leader owns two buy-to-let properties despite his party backing policies that seek to reduce private landlordism. Mothin Ali, co-deputy leader of the Green Party of Engl

England's national register for short-term and holiday lets now has a date — fully up and running by March 2027, Culture Secretary Lisa Nandy has confirmed. Expected to be mandatory, with the detail still to come. For anyone running Airbnb or Booking.com lets on a standard buy to let mortgage, it's

Did you know you can buy a landlord's whole portfolio without technically buying the properties? If the properties sit inside a limited company (an SPV), buying the company's shares instead of the properties themselves means Stamp Duty Land Tax doesn't apply — share purchases attract just 0.5%, not

Delighted to see this mixed use property mortgage complete for one of our superb customers. The facility enables the client to remove pressure from the current lender and set them on the path to their next investment purchase. A really nice mixed use mortgage completed! #mixeduseproperty #semicomme

A Perrsonal Guarantee (PG) is often essential for limited company borrowing, blurring the line between your business & personal assets. A PG provides a director's personal commitment to repay the debt if the company fails, making the loan statistically less likely to fail. 5 Key Things to Check Be

AI is fundamentally reshaping the commercial mortgage journey, making it faster, fairer, and more data-driven. The 5 key changes impacting commercial borrowers: Automation: Drastically cuts processing time by using OCR to scan financial documents in minutes, not days. Predictive Analytics: Assess

What could UK interest rates look like in 2026? A year of stability, not a race to the bottom. Economists agree the BofE is approaching the end of its rate-cutting cycle. The base rate is largely anticipated to stabilise between 3.0% and 3.5% as inflation falls closer to target. Key takeaway for b

For any business owner seeking funding, knowing your EBITDA is essential. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) gives lenders a clear view of your operational cash generation. They rarely use the standard figure, focusing instead on Adjusted EBITDA to determine:

Delighted to see this HMO buy to let mortgage complete for a brilliant client. The HMO was without planning permission, albeit for a good reason. It is these simple variables that can sometimes break a mortgage offer. Job done, finance completed! #HMO #HMOmortgage #buytolet #propertyfinance #limef

5 Ways AI is Transforming Commercial Mortgages The world of commercial lending is evolving fast. AI isn't just a buzzword; it’s estimated that AI-enabled approvals will reduce commercial mortgage processing times by over 40% in 2026. Here are the 5 biggest ways AI is impacting applications right

Good news on the market front — last week's dip turned out to be just a summer blip. Sales agreed jumped from 21.7k to 24.4k in a week, so the wobble wasn't anything to worry about. Pricing still matters hugely though: four in five homes sold this year went through without a price cut, while half of

Good news on the market front — last week's dip turned out to be just a summer blip. Sales agreed jumped from 21.7k to 24.4k in a week, so the wobble wasn't anything to worry about. Pricing still matters hugely though: four in five homes sold this year went through without a price cut, while half of

Super delighted to have completed this Development Mortgage for one of our happy property developer clients. Overcoming a few land issues and property restrictions on the way! Big thank you to the lender for working with us and the solicitors for getting this one done! #developmentlending #develop

Is 2026 the time commercial landlords sell to their existing tenants? With increasing operational costs, essential EPC requirements (C by 2027), and potential Capital Gains Tax changes, a tenant buyout is becoming an ever more ideal exit strategy. Benefits for landlord: Speed and Certainty Reduc

The average first-time buyer today is 34, not mid-twenties like a decade ago. That should make all of us in this industry ask: are we building for the buyer who's actually out there, or the one we still imagine? First-time buyer numbers are up in 2026, which is genuinely good news. But there's more

Mortgage lending criteria changed over 3,000 times in July alone. That's how fast this market moves. Arrears, defaults, tricky employment history — none of it needs to be the end of the road. The best move is to not be afraid and ask for professional support. I'm always happy to have that conversati

Tax Calculation vs. Tax Year Overview: What’s the Difference? If you're a director, landlord, or self-employed professional applying for a commercial mortgage, your lender will nearly always ask for these two documents. Getting them mixed up is one of the most common reasons for application delay

Delighted to see this working capital finance complete for one of our superb customers. The facility enables the client to grow their business and better meet the demand they are seeing. A fast turnaround business loan completed. #smallbusiness #businessloan #cashflow #SME #limefinancesolutions

Five Things to Look Before Signing a Personal Guarantee. If you’re a business owner or director, a Personal Guarantee (PG) is often the key to unlocking finance. But it also means your personal assets - like your home or savings - may be on the line. Here are 5 important things to check. #Busin

Two in five UK adults say money worries are affecting their mental health this year — and one in ten are worried if they can keep up with their mortgage. Reading this report from St. James's Place, I am not surprised, because when money sits heavy on your mind, it touches everything else too. If th

Is there really a "typical borrower" in commercial finance anymore? Not from where I sit. More directors with complex income, more CCJs on file, more businesses that don't fit a neat box. None of that rules a deal out — the detail is what matters, and knowing which lenders actually look past the lab