# Brooklands Commercial Finance

> Leading brokers in development and property finance in the UK


## Pages

- [Cookie Policy](https://brooklandscf.co.uk/cookie-policy/): This page provides comprehensive information about how we use cookies on our website to enhance your browsing experience, improve website performance, and deliver personalised content. Cookies are small text files that are stored on your device when you visit our site. They help us understand how visitors interact with our website, allowing us to offer a smoother and more efficient user experience. In the table below, you will find detailed information about each type of cookie we use, their purpose, and how long they remain on your device. We are committed to respecting your privacy and providing transparency about the […]
- [Complaints Policy](https://brooklandscf.co.uk/complaints-policy/): Complaints Procedure of Brooklands Commercial Finance Ltd We aim to provide our clients and their advisers with excellent client service but at times things can go wrong. If you are unhappy with our service or think there is a problem, please let us know immediately in writing to: Complaints Department,Brookland Commercial FinanceOne Crown Square,Church St East,WokingGU21 6HR Or call us on: 03455 488 002. We will resolve complaints as quickly as we can. Some complaints require detailed investigation and/or a dialogue with third parties and take some time to resolve. We will provide fair redress where we believe it is […]
- [Initial Disclosure Document](https://brooklandscf.co.uk/initial-disclosure-document/): OUR IDENTITY & SERVICE: Brooklands Commercial Finance Ltd (Also trading as The Mortgage Explorer) Head Office: One Crown Square, Church St E, Woking GU21 6HR Second Office: 12 Gore Road, New Milton BH25 6RX We act as an independent intermediary on behalf of our customers. Our service and permitted business include advising and arranging mortgages and insurance products as stated below. Our Commitment Under the Consumer Duty We are committed to delivering good outcomes for all customers in line with the FCA’s Consumer Duty. We act in good faith, provide clear and timely information, and base our recommendations on a […]
- [Meet The Team](https://brooklandscf.co.uk/meet-the-team/): Friendly, experienced and proactive—our team is here to make your life easier. We keep you updated, explain your options in simple terms and push your case forward so you can focus on what matters.
- [Customer Reviews & Testimonials](https://brooklandscf.co.uk/customer-reviews-testimonials/): Our clients are at the heart of everything we do—and their feedback says it best. We’re proud to be recommended for clarity, transparency and a consistently smooth experience.
- [Invoice Finance](https://brooklandscf.co.uk/other-services/invoice-finance/): Turn outstanding invoices into working capital. Instead of waiting to be paid, release a large portion of the invoice value upfront and keep your business moving.
- [Asset Finance](https://brooklandscf.co.uk/other-services/asset-finance/): Spread the cost of vehicles, machinery, technology and other equipment so your cash flow stays healthy. We’ll match your purchase plans to suitable lenders and set up a repayment structure that works for your business.
- [Mortgage Capacity Reports](https://brooklandscf.co.uk/other-services/mortgage-capacity-reports/): Separating or going through legal proceedings and need to know how much you could realistically borrow? We produce clear, independent reports recognised by solicitors and mediators, using current lender criteria and a full review of your income and commitments.
- [Conveyancing & Financial Planning Referrals](https://brooklandscf.co.uk/other-services/conveyancing-financial-planning-referrals/): Get reliable support from trusted professionals. We introduce you to proven conveyancers for sales, purchases and remortgages, and FCA regulated financial planners for long term planning—then stay in the loop so everything runs smoothly.
- [Business Loans (Secured & Unsecured)](https://brooklandscf.co.uk/other-services/business-loans-secured-unsecured/): Need funds for working capital, stock, marketing or a bigger investment? We compare options from UK business lenders and explain the costs in plain English—so you can move quickly and confidently.
- [Business Protection](https://brooklandscf.co.uk/protection/business-protection/): Keep your business resilient if a key person becomes critically ill or dies, protect ownership between shareholders, or provide cost efficient life cover for directors and employees. We’ll explain the options clearly and set everything up properly.
- [Home Insurance](https://brooklandscf.co.uk/protection/home-insurance/): Protect your home and everything in it with cover that’s simple to understand and easy to claim on.
- [Personal Protection](https://brooklandscf.co.uk/protection/personal-protection/): Give yourself and your loved ones a financial safety net. Choose from life cover, critical illness, income protection and mortgage-focused policies — or let us build a simple package that fits your budget.
- [Property Conversion Finance](https://brooklandscf.co.uk/bridging-development-finance/property-conversion-finance/): Turning one use into another—office to flats, commercial to residential, barn conversions and more—needs lenders who understand planning, valuations and how the work will be staged. We’ll match your project to the right funding and keep everyone aligned through each phase.
- [Development Finance](https://brooklandscf.co.uk/bridging-development-finance/development-finance/): From small infill sites to multi-unit schemes, we arrange stage-release funding for land and build costs, tailored to your timeline and exit. Where helpful, we can introduce additional layers of funding to reduce your cash in.
- [Refurbishment Loans](https://brooklandscf.co.uk/bridging-development-finance/refurbishment-loans/): Improving a property? We arrange funding for both light refurbishments (cosmetic upgrades like kitchens, bathrooms and decoration) and heavy refurbishments (structural works and conversions), with the money released in a way that suits the project.
- [Auction Finance](https://brooklandscf.co.uk/bridging-development-finance/auction-finance/): Winning at auction usually means exchanging on the day and completing within about 28 days. We line up funds fast, then drive the valuation and legal work at speed to hit the deadline.
- [Bridging Loans](https://brooklandscf.co.uk/bridging-development-finance/bridging-loans/): When time is tight, a bridging loan gives you short term funding to secure a property, finish works, or bridge a gap until sale or longer term borrowing is in place. We’ll move quickly, keep costs clear, and set a sensible exit plan from day one.
- [Semi Commercial Mortgages](https://brooklandscf.co.uk/commercial-finance/semi-commercial-mortgages/): Buying a mixed‑use property—like a shop with a flat above? We’ll line up lenders who understand these buildings, explain how they’re valued, and manage your application step‑by‑step for a smooth purchase or refinance.
- [Commercial Mortgages](https://brooklandscf.co.uk/commercial-finance/commercial-mortgages/): Need finance for a business premises or a commercial investment property? We’ll match you with lenders who understand your trade, your numbers and your plans—then handle the paperwork so you can focus on the deal.
- [HMO, Student & Holiday Let Mortgages](https://brooklandscf.co.uk/buy-to-let/hmo-student-holiday-let-mortgages/): Financing specialist properties needs lenders who truly understand them—whether that’s a shared house with multiple tenants (HMO), a student let, or a holiday home let (including short stay platforms like Airbnb). We’ll match you with lenders who work with these property types, explain any local rules and usage limits, and manage your application through to completion.
- [Portfolio & Limited Company BTL](https://brooklandscf.co.uk/buy-to-let/portfolio-limited-company-btl/): Building or reorganising a portfolio? We’ll help you structure your finances sensibly—whether you hold properties in your own name or through a limited company set up just for property (often called a “special purpose vehicle”). We’ll show you what lenders are looking for, prepare the documents they expect, and line up funding for growth or consolidation. (We’ll explain the finance clearly; for tax planning, please speak to your accountant.)
- [Standard & Remortgaging](https://brooklandscf.co.uk/buy-to-let/standard-remortgaging/): Whether you’re buying your first rental or switching your current deal, we’ll compare options across UK lenders, explain exactly what deposit you’ll need, what rent you’ll need to cover the mortgage, and handle the paperwork from start to finish. If your fixed rate is ending, we’ll help you avoid moving on to a higher variable rate and show you how much you could save—or how much you could raise for your next purchase.
- [Later Life Mortgages (Equity Release & RIO)](https://brooklandscf.co.uk/residential-mortgages/later-life-mortgages/): If you’re 55+, we’ll compare later life lending options with clarity and care. Equity Release (lifetime mortgages) can provide tax-free cash with interest rolling up or paid voluntarily; Retirement Interest Only (RIO) keeps monthly interest payments with no fixed end date, subject to affordability. We’ll involve family if you wish and ensure the long-term implications are fully understood.
- [New Build & Affordable Schemes](https://brooklandscf.co.uk/residential-mortgages/new-build-affordable-schemes/): Reserved a plot—or comparing affordable routes onto the ladder? We’ll guide you through the new build timeline and help you weigh up options like Shared Ownership and Right to Buy, plus today’s low deposit alternatives to the former Help to Buy scheme. We’ll guide you through the details and coordinate all parties.
- [Second & Holiday Home Mortgages](https://brooklandscf.co.uk/residential-mortgages/second-holiday-home-mortgages/): Buying a second residence for work, family or lifestyle — or a personal use holiday home? We’ll explain what you can borrow, the deposit you’ll need, and any usage rules, then manage your application through to completion.
- [Specialist Residential Mortgages](https://brooklandscf.co.uk/residential-mortgages/specialist-residential-mortgages/): If your situation is a bit different, you still have options. We work with lenders who take a sensible view of real-life circumstances—whether you’re self-employed, have some past credit issues, are buying with family or friends, or you’re arranging a larger, more complex loan. We match your situation to specialist lenders and private banks that assess it fairly.
- [Remortgages](https://brooklandscf.co.uk/residential-mortgages/remortgages/): Is your fixed rate ending? We’ll help you avoid moving onto a higher variable rate, cut your monthly costs if possible, or release money for home improvements and future plans. You’ll see the true costs upfront so you can decide with confidence.
- [First‑Time Buyers & Movers](https://brooklandscf.co.uk/residential-mortgages/first-time-buyers-movers/): Buying your first place or moving home should feel exciting—not stressful. We’ll tell you how much you can borrow, what it will cost, and which deals fit your plans. If you’re moving, we’ll compare keeping your current deal when you move with switching to a new lender, so you choose what saves you the most.
- [Privacy Policy Statement](https://brooklandscf.co.uk/privacy-statement/): 1. Introduction This Privacy Policy explains how Brooklands Commercial Finance Ltd (“we”, “us”, or “our”) collects, uses, and protects your personal data when you engage with our website and client services. We are committed to safeguarding your privacy and ensuring your personal data is handled responsibly. 2. Who We Are We are a UK-based mortgage brokerage regulated by the Financial Conduct Authority (FCA). 3. ICO Registration Brooklands Commercial Finance Ltd is registered with the Information Commissioner’s Office (ICO). ICO Registration Number: Z8435353 4. What Information We Collect We may collect personal data including: name, contact details, financial information, employment details, […]
- [Sitemap](https://brooklandscf.co.uk/sitemap/)
- [Shooting Star Chase](https://brooklandscf.co.uk/shooting-star-chase/): Founded in 1994 Shooting Star Chase provides support for children who suffer from critical illnesses and are not expected to reach the age of 21. Support is also provided for their entire family. They provide a range of nursing, practical, emotional and medical care. Why is Chase different Free of charge to families and available 365 days a year.Short breaks at Shooting Star House in Hampton and Christopher’s in GuildfordHospice at HomeDay careSymptom managementEnd-of-life careBereavement careComprehensive range of therapies and support groups for the whole family.Shooting Star Chase has helped thousands through difficult times. We are delighted to support Shooting […]
- [Terms Of Business](https://brooklandscf.co.uk/terms-of-business/): Brooklands Commercial Finance Limited This document sets out how we will deal with you in the provision of our services. OUR IDENTITY & SERVICE: Brooklands Commercial Finance Ltd also trading as The Mortgage ExplorerHead Office: Unit 4.09 One Crown Square, Church Street East, Woking, Surrey, GU21 6HRSecond Office: Unit 1, Charlotte Court, 14 Old Milton Rd, New Milton BH25 6DT Brooklands Commercial Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 648940). The Financial Conduct Authority (FCA) regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting […]
- [Contact Us](https://brooklandscf.co.uk/contact-us/): Contact Brooklands Commercial Finance Ltd Buying, refinancing, investing—or just exploring your options? Get clear, friendly advice with no pressure. Get in touch Head Office: Southern Office: What to expect Where to find us One Crown Square, Christ Street East, Woking, Surrey GU21 6HR Ready to get started? Contact us today. T: 034 5548 8002 E: enquiries@brooklandscf.com Enquire about First Time Buyer Mortgages
- [About Us](https://brooklandscf.co.uk/about-us/): At Brooklands, we believe advice should be clear, personal and built around long term relationships—not jargon. We help homebuyers, landlords, investors, developers and businesses across the UK with straightforward guidance and hands on support from first chat to completion.
- [Other Services](https://brooklandscf.co.uk/other-services/): From business funding to trustworthy referrals and formal mortgage capacity reports, we’ll point you to the right solution and handle the setup with minimum hassle. Explore the services below or ask us for quick, tailored guidance.
- [Protection](https://brooklandscf.co.uk/protection/): Protect your family, your home and your business with cover that’s easy to understand and simple to set up. We compare options from leading UK insurers, explain everything in plain English, and manage your application from start to finish.
- [Residential Mortgages](https://brooklandscf.co.uk/residential-mortgages/): Buying your first home, moving house, switching your deal, or arranging later life borrowing—we’ll compare options from UK lenders, explain everything in simple terms, and manage your application from start to finish. Browse the guides below or talk to us for quick, tailored advice.
- [Commercial Finance](https://brooklandscf.co.uk/commercial-finance/): Buying or refinancing business premises, investing in commercial property, or considering a mixed use building? We compare options from UK lenders, explain everything in simple terms, and manage your application from first chat to completion.
- [Buy To Let](https://brooklandscf.co.uk/buy-to-let/): Whether you’re buying your first rental, refinancing an existing one, or building a portfolio, we’ll compare options from UK lenders, explain everything in simple terms, and manage your application from start to finish.
- [Bridging & Development Finance](https://brooklandscf.co.uk/bridging-development-finance/): Need fast, short‑term funding, finance for an auction purchase, money for a refurb, a ground‑up build, or a conversion? We compare options from UK lenders, explain everything in plain English, and manage the process with your valuer and solicitor so you can move quickly and confidently.
- [Brooklands Commercial Finance](https://brooklandscf.co.uk/): One of the UK’s leading Whole of Market Brokers, Giving You Access to Every Lender and Every Opportunity. Helping Clients Throughout The Whole Of The UK For The Last 24 Years At Brooklands Commercial Finance, we search the entire market. From high street banks and challenger lenders to specialist providers and private funders, we find solutions most brokers simply can’t. With over 24 years of proven success across all economic conditions, we securethe best rates, faster decisions and higher approval levels for homebuyers, landlords, developers and businesses nationwide. Expert advice, clear guidance and full support from first conversation to completion. Make an Enquiry Our Services Residential Mortgages […]

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