As a leading commercial mortgage broker with global expertise, Clopton Capital specialises in facilitating high-leverage and competitively priced commercial mortgages for UK-based sponsors. Whether you are targeting a flagship asset in the City of London or industrial portfolios in Manchester and Birmingham, we provide the streamlined access to capital you need to scale your property investments with speed and certainty.
At Clopton Capital, we help investors and owner-operators secure commercial mortgages for high-value property across the UK. Operating as a specialist intermediary, we match your project with the ideal capital source—ranging from high-street and challenger banks to building societies, life companies, and CMBS lenders.
Our role is to navigate the complexities of the UK credit landscape on your behalf. Whether you are purchasing a new asset, seeking to lower your cost of debt through a refinance, or repositioning a portfolio, we provide the technical expertise and lender access required to move from term sheet to completion with total confidence.
Acquisition Buyers: Securing competitive senior debt for new property purchases.
Strategic Refinancing: Owners looking to restructure existing debt or unlock equity.
Value-Add Sponsors: Investors executing stabilisation plans for underperforming assets.
Time-Sensitive Developers: Those needing rapid capital stack solutions to meet project deadlines.
Professional Landlords: Borrowers prioritising execution certainty across London and regional hubs.
Commercial mortgage rates and terms vary based on asset performance and sponsor track record.
Loan Size: £750,000 to £50,000,000+
Leverage: Typically up to 65%–80% LTV/LTC depending on the sector and market.
Term: 12 months (short-term) to 10+ years (long-term permanent finance).
Amortisation: Options for interest-only periods or 25–30 year profiles.
Recourse: Both recourse and non-recourse structures available.
Rate Benchmarks: Fixed or floating rates typically priced off SONIA or the gilt/swap curve plus a margin.
Unlike the US market, which is dominated by institutions like Wells Fargo or Chase, the UK’s commercial mortgages are primarily provided by a mix of “Big Four” banks (like NatWest or Barclays), established building societies, and an increasingly active sector of challenger banks and specialist debt funds. At Clopton Capital, we provide direct access to this entire spectrum, ensuring your deal isn’t limited to a single lender’s rigid criteria.
Note on Rates: Commercial rates in the UK are generally higher than residential loans due to the increased complexity and risk profile. However, for “Green” assets or those with high ESG ratings, we can often source preferential pricing.
To provide an accurate quote for your commercial real estate loans, we typically require:
Property Details: Address, asset type, and total rentable square footage/units.
Financials: Current Net Operating Income (NOI) or Trailing 12-month (T-12) data.
Occupancy: A current rent roll and lease expiry schedule.
Sponsor Profile: A brief CV/track record and high-level summary of net worth and liquidity.
The Business Plan: A summary of your goals for the asset, including any planned capital expenditure.
Leverage our direct access to UK-wide lenders to secure fast feedback, transparent term sheets, and a streamlined path to completion.
Provided we have a clean data set (rent roll and T-12), initial lender feedback and soft quotes are typically available within 24–72 hours.
Yes. We facilitate financing for assets across the entire UK, including London, Manchester, Birmingham, Leeds, and Glasgow.
Our primary programmes start at £750,000, though we can offer advisory for smaller requirements on a case-by-case basis for established clients.
Yes. Non-recourse is standard for stabilised, institutional-grade assets. Availability depends on the leverage level and the specific lender’s appetite.
We operate on a success-based fee paid upon the successful closing of your deal. All fees are disclosed transparently upfront in our engagement.
