£560,674 Warehouse Commercial Mortgage Completed in 3 Weeks, Brentford
An SPV borrower had one week left before notice to complete would land on their warehouse purchase in Brentford — putting the deposit at risk. A2Z secured a £560,674 commercial mortgage at 70% LTV, fixed for 5 years on interest-only terms, and drove the case to completion inside 3 weeks. Deposit protected. Property purchased.
Deal Snapshot
The Client Scenario
Our client — an SPV (limited company) borrower — was purchasing a fully commercial warehouse in Brentford, west London, valued at £835,000. The deposit was paid, contracts were exchanged, and the deal was running on a tight contractual timetable.
With one week left before the vendor could serve notice to complete, the existing financing route had stalled. Once notice lands, the buyer has a fixed window to complete or risks losing the deposit and the property along with it. The client needed a commercial mortgage moved through, properly underwritten, in a timeframe most lenders typically can't deliver.
Commercial mortgages on warehouse stock — purchased via an SPV — sit inside a narrower lender appetite than residential or buy-to-let. The case needed to land with the right lender first time, with the SPV financials packaged correctly from day one.
What Could Have Gone Wrong
Three weeks is fast for a commercial mortgage. The market average is closer to 6–12 weeks — sometimes longer for SPV-owned commercial security. Any drift on this case would have meant notice to complete being served, with the deposit and the property both at risk.
Specific pressure points on this deal:
The Solution
We placed the case directly with Together Commercial — a lender with proven appetite for SPV-owned warehouse purchases and a process built for speed. The submission was structured to pre-empt the questions underwriting would ask, so the file moved instead of stalling.
From submission to completion, solicitor, valuer, lender and broker were aligned to a single timeline. No one was waiting on anyone. The result: a £560,674 commercial mortgage at 70% LTV gross, fixed for 5 years at 7.94% on interest-only repayments — funds drawn down inside 3 weeks.
Got a commercial purchase running tight on time?
Warehouses, retail units, mixed-use — whether you're buying via an SPV, Ltd company, or personally, we structure the case for speed and certainty from day one.
A2Z Bridging Ltd is authorised and regulated by the Financial Conduct Authority · FRN 808769
The Outcome
Buying a Commercial Property Against the Clock?
Tight deadlines on warehouse, retail or mixed-use purchases are where the right broker earns their keep. Let's get yours structured properly from day one.
A2Z Bridging Ltd · Authorised & Regulated by the FCA · FRN 808769 · We are a broker, not a lender.
Frequently Asked Questions
Yes. SPV and Ltd company purchases of fully commercial property — warehouses, retail units, light industrial — are standard structures. Lender appetite varies by asset type and director profile, and the SPV financials need packaging carefully. On this case, the SPV was approved at 70% LTV on a 5-year fixed interest-only commercial mortgage.
The market average is 6–12 weeks. We completed this Brentford warehouse purchase inside 3 weeks by selecting a lender with genuine appetite for the case, instructing the commercial valuation in parallel with legals, and presenting the SPV file in the shape underwriting needed it. Speed in commercial finance comes from upfront packaging — not from pressure on the back end.
Once notice to complete is served under the standard conditions of sale, the buyer typically has 10 working days to complete or risks losing the deposit and the property. On this case, we acted before notice landed — securing the commercial mortgage and driving completion so the vendor never had to escalate. If you're running close to that point, the priority is getting the right lender on the file immediately.
Typically 60–75% LTV depending on lender, property type, location and borrower profile. 70% gross — as secured on this case — is a strong outcome for an SPV-owned warehouse purchase, particularly on a 5-year fixed interest-only structure. Higher LTVs are possible on the right asset, but require careful lender selection.