Lime Finance Solutions
@limefinance.bsky.social
Commercial mortgage and property finance expert. Arranging finance for property professionals where others struggle. UK based, fully independent commercial & property finance specialist. Friendly, speaking plain English, no financial jargon in sight
A simple 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. professiona
Why it matters to lenders:
Risk Assessment: Lenders use it to instantly gauge the underlying risk of your industry (e.g., hospitality vs. professiona
Why the Correct SIC Code Matters When Applying for a Business Loan
Applying for a small business loan in the UK? Discover why having the correct SIC code is crucial for lenders, risk assessment, and loan approval success.
bit.ly
February 13, 2026 at 11:32 AM
A simple 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. professiona
Why it matters to lenders:
Risk Assessment: Lenders use it to instantly gauge the underlying risk of your industry (e.g., hospitality vs. professiona
No real surprise on this one, that the costs of a commercial mortgage are usually lower than the cost of renting. Bear in mind that there is a Government scheme to support commercial mortgages for companies wanting to buy their own premises and it all starts to add up.
The Growth Guarantee Scheme f
The Growth Guarantee Scheme f
February 12, 2026 at 3:39 PM
No real surprise on this one, that the costs of a commercial mortgage are usually lower than the cost of renting. Bear in mind that there is a Government scheme to support commercial mortgages for companies wanting to buy their own premises and it all starts to add up.
The Growth Guarantee Scheme f
The Growth Guarantee Scheme f
Refurbishment is now a vital aspect of the UK property market, outpacing new builds for many investors.
With short-term borrowing for refurbs doubling in recent periods, the opportunity to unlock value is increasingly clear:
Value Uplift: Renovations significantly boost property value and are fast
With short-term borrowing for refurbs doubling in recent periods, the opportunity to unlock value is increasingly clear:
Value Uplift: Renovations significantly boost property value and are fast
Why Refurbishment Finance Matters - Right Now
Explore the growing opportunity in UK property refurbishment finance: rising demand, how refurbishment loans work, and what investors need to know to unlock value in the current market.
bit.ly
February 12, 2026 at 10:01 AM
Refurbishment is now a vital aspect of the UK property market, outpacing new builds for many investors.
With short-term borrowing for refurbs doubling in recent periods, the opportunity to unlock value is increasingly clear:
Value Uplift: Renovations significantly boost property value and are fast
With short-term borrowing for refurbs doubling in recent periods, the opportunity to unlock value is increasingly clear:
Value Uplift: Renovations significantly boost property value and are fast
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 Buy to Let affordability and making rental coverage stress tests easier to pass.
Unstoppable Demand: Hig
The market shift is driven by three factors:
Rate Normalisation: Stabilising BofE rates are improving Buy to Let affordability and making rental coverage stress tests easier to pass.
Unstoppable Demand: Hig
Buy-to-Let Mortgage Opportunity 2026: Why Now is the Time for Professional Landlords
Discover how falling mortgage rates, strong rental yields, and professionalisation trends are creating a strong investment environment.
bit.ly
February 11, 2026 at 10:39 AM
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 Buy to Let affordability and making rental coverage stress tests easier to pass.
Unstoppable Demand: Hig
The market shift is driven by three factors:
Rate Normalisation: Stabilising BofE rates are improving Buy to Let affordability and making rental coverage stress tests easier to pass.
Unstoppable Demand: Hig
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
Key Trends Shaping 2026:
Sustainability as Standard: Net-zero projects and exceeding EPC ratings are now the baseline, leading to better ac
Property Development Trends for 2026
Explore the key UK property development trends set to shape 2026 — from green construction and modular innovation to finance flexibility and smart urban growth. Insights for investors and developers from Lime Finance Solutions.
bit.ly
February 10, 2026 at 4:03 PM
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
Key Trends Shaping 2026:
Sustainability as Standard: Net-zero projects and exceeding EPC ratings are now the baseline, leading to better ac
Delighted to have helped a first time landlord to buy an apartment in Sussex. The client was not a home owner and the property was not straightforward.
Super pleased to see this deal complete and allow the client their first step on the property ladder.
#property #buytolet #realestate #mortgagebro
Super pleased to see this deal complete and allow the client their first step on the property ladder.
#property #buytolet #realestate #mortgagebro
February 10, 2026 at 12:39 PM
Delighted to have helped a first time landlord to buy an apartment in Sussex. The client was not a home owner and the property was not straightforward.
Super pleased to see this deal complete and allow the client their first step on the property ladder.
#property #buytolet #realestate #mortgagebro
Super pleased to see this deal complete and allow the client their first step on the property ladder.
#property #buytolet #realestate #mortgagebro
Interesting that most small businesses that fail to secure finance consider that the lack of direct human contact is the major problem.
Put simply, most small businesses don't feel understood.
This is where #financebrokers such as ourselves really deliver. AI is great, but you want someone who und
Put simply, most small businesses don't feel understood.
This is where #financebrokers such as ourselves really deliver. AI is great, but you want someone who und
February 9, 2026 at 8:39 AM
Interesting that most small businesses that fail to secure finance consider that the lack of direct human contact is the major problem.
Put simply, most small businesses don't feel understood.
This is where #financebrokers such as ourselves really deliver. AI is great, but you want someone who und
Put simply, most small businesses don't feel understood.
This is where #financebrokers such as ourselves really deliver. AI is great, but you want someone who und
A Director's Personal Guarantee (PG) is often essential for limited company borrowing, blurring the line between your business and 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
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
Five Things to Look Out for When Agreeing to a Personal Guarantee
Before signing a personal guarantee for your limited company borrowing, understand the key risks and protections available. Learn five crucial things every UK director should know.
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February 6, 2026 at 11:31 AM
A Director's Personal Guarantee (PG) is often essential for limited company borrowing, blurring the line between your business and 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
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
Speaking to our clients when they purchase their business premises, they do it for different reasons. One of the main reasons is to protect against unplanned costs, lease expiry and to give them greater control and security.
Not all financial decisions are solely about the money, it is part of a wi
Not all financial decisions are solely about the money, it is part of a wi
February 5, 2026 at 3:39 PM
Speaking to our clients when they purchase their business premises, they do it for different reasons. One of the main reasons is to protect against unplanned costs, lease expiry and to give them greater control and security.
Not all financial decisions are solely about the money, it is part of a wi
Not all financial decisions are solely about the money, it is part of a wi
AI is fundamentally changing 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: Assesse
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: Assesse
5 Powerful Ways AI Is Transforming Commercial Mortgage Applications
Discover 5 ways AI is changing commercial mortgage applications in the UK. Learn how automation, analytics, fraud detection, and personalised lending are transforming the commercial mortgage landscape.
bit.ly
February 5, 2026 at 10:01 AM
AI is fundamentally changing 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: Assesse
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: Assesse
What will UK base 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 widely expected to stabilise between 3.0% and 3.5% as inflation falls closer to target.
Key takeaway for b
Economists agree the BofE is approaching the end of its rate-cutting cycle. The base rate is widely expected to stabilise between 3.0% and 3.5% as inflation falls closer to target.
Key takeaway for b
What WIll UK Interest Rates Look Like in 2026?
The consensus among major financial institutions suggests that 2026 will mark the completion of the UK’s monetary easing cycle. Driven by continued success in bringing down inflation and signs of a cooling labour market, the Bank of England (BoE) is widely expected to cut the base rate further from its current level (4% as of late 2025). Most forecasts project the Bank Rate will settle in a range between 3.0% and 3.5% by the end of 2026, transitioning from restrictive policy to a more neutral stance.
bit.ly
February 4, 2026 at 10:39 AM
What will UK base 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 widely expected to stabilise between 3.0% and 3.5% as inflation falls closer to target.
Key takeaway for b
Economists agree the BofE is approaching the end of its rate-cutting cycle. The base rate is widely expected to stabilise between 3.0% and 3.5% as inflation falls closer to target.
Key takeaway for b
From National Insurance hikes to new employment laws, 2025 was a year of major change for small businesses—and 2026 is set to bring even more.
Stay ahead of the curve with this breakdown of the key regulatory shifts and essential tax dates every business owner needs to know:
bit.ly/3LC34Dy
#Smal
Stay ahead of the curve with this breakdown of the key regulatory shifts and essential tax dates every business owner needs to know:
bit.ly/3LC34Dy
#Smal
2025 for small businesses and what’s coming up in 2026 - Small Business UK
From financial statements to changing thresholds to price increases, we bring you the key events from 2025
bit.ly
February 3, 2026 at 4:05 PM
From National Insurance hikes to new employment laws, 2025 was a year of major change for small businesses—and 2026 is set to bring even more.
Stay ahead of the curve with this breakdown of the key regulatory shifts and essential tax dates every business owner needs to know:
bit.ly/3LC34Dy
#Smal
Stay ahead of the curve with this breakdown of the key regulatory shifts and essential tax dates every business owner needs to know:
bit.ly/3LC34Dy
#Smal
This is why seemingly minor facts about a borrower can make all the difference. With lenders, the sector the borrower operates in can influence cost, availability and speed of funds. Delighted to help this brilliant client with their expansion by releasing £230k borrowing and reducing the cost of de
February 3, 2026 at 12:39 PM
This is why seemingly minor facts about a borrower can make all the difference. With lenders, the sector the borrower operates in can influence cost, availability and speed of funds. Delighted to help this brilliant client with their expansion by releasing £230k borrowing and reducing the cost of de
The UK Buy-to-Let market is showing resilient strength and activity, creating a powerful investment opportunity for professional property owners.
The numbers speak for themselves: 1. Market Activity is High, In the second quarter of 2025 alone, 49,590 new buy-to-let mortgages were advanced, totali
The numbers speak for themselves: 1. Market Activity is High, In the second quarter of 2025 alone, 49,590 new buy-to-let mortgages were advanced, totali
February 2, 2026 at 8:39 AM
The UK Buy-to-Let market is showing resilient strength and activity, creating a powerful investment opportunity for professional property owners.
The numbers speak for themselves: 1. Market Activity is High, In the second quarter of 2025 alone, 49,590 new buy-to-let mortgages were advanced, totali
The numbers speak for themselves: 1. Market Activity is High, In the second quarter of 2025 alone, 49,590 new buy-to-let mortgages were advanced, totali
The Draft Commonhold and Leasehold Reform Bill aims to end the leasehold system for new flats and introduces a £250 cap on existing ground rents.
Whether you're a property investor or a leaseholder, here is what these transformative changes mean for your portfolio:
bit.ly/4qN75UV
#PropertyReform
Whether you're a property investor or a leaseholder, here is what these transformative changes mean for your portfolio:
bit.ly/4qN75UV
#PropertyReform
Draft Commonhold and Leasehold Reform Bill
The Draft Commonhold and Leasehold Reform Bill. What is it, what does it change, what does it mean?
bit.ly
January 30, 2026 at 11:32 AM
The Draft Commonhold and Leasehold Reform Bill aims to end the leasehold system for new flats and introduces a £250 cap on existing ground rents.
Whether you're a property investor or a leaseholder, here is what these transformative changes mean for your portfolio:
bit.ly/4qN75UV
#PropertyReform
Whether you're a property investor or a leaseholder, here is what these transformative changes mean for your portfolio:
bit.ly/4qN75UV
#PropertyReform
Borrowers are Prioritising Stability. In this environment, Fixed-rate mortgages are the preferred choice, covering about 90% of new buy-to-let lending.
This dominance of fixed rates reflects a conservative investor focus on securing long-term cost stability against fluctuating economic conditions.
This dominance of fixed rates reflects a conservative investor focus on securing long-term cost stability against fluctuating economic conditions.
Lime Finance - Commercial Mortgage | Property Financing
Independent commercial mortgage broker in West Sussex. Expert in complex property finance for landlords, developers & business owners. Get tailored solutions & competitive rates
bit.ly
January 29, 2026 at 3:40 PM
Borrowers are Prioritising Stability. In this environment, Fixed-rate mortgages are the preferred choice, covering about 90% of new buy-to-let lending.
This dominance of fixed rates reflects a conservative investor focus on securing long-term cost stability against fluctuating economic conditions.
This dominance of fixed rates reflects a conservative investor focus on securing long-term cost stability against fluctuating economic conditions.
Looking to trade in some of Horsham District’s most popular locations?
The Council’s Concessions Policy details how businesses can apply for exclusive rights to trade in high-footfall public spaces. Applications for 2026 are now OPEN.
Review the policy and learn how to submit your application for
The Council’s Concessions Policy details how businesses can apply for exclusive rights to trade in high-footfall public spaces. Applications for 2026 are now OPEN.
Review the policy and learn how to submit your application for
Horsham District Council Concessions Policy
Horsham District Council Concessions Policy
bit.ly
January 29, 2026 at 10:02 AM
Looking to trade in some of Horsham District’s most popular locations?
The Council’s Concessions Policy details how businesses can apply for exclusive rights to trade in high-footfall public spaces. Applications for 2026 are now OPEN.
Review the policy and learn how to submit your application for
The Council’s Concessions Policy details how businesses can apply for exclusive rights to trade in high-footfall public spaces. Applications for 2026 are now OPEN.
Review the policy and learn how to submit your application for
Calling all small business owners in the Chichester District! Chichester District Council’s Enabling Grant scheme is available to help you fund capital projects, website upgrades, and start-up costs.
Check your eligibility and apply now to give your business a boost: bit.ly/4q5iJcq
#ChichesterBusi
Check your eligibility and apply now to give your business a boost: bit.ly/4q5iJcq
#ChichesterBusi
bit.ly
January 28, 2026 at 11:31 AM
Calling all small business owners in the Chichester District! Chichester District Council’s Enabling Grant scheme is available to help you fund capital projects, website upgrades, and start-up costs.
Check your eligibility and apply now to give your business a boost: bit.ly/4q5iJcq
#ChichesterBusi
Check your eligibility and apply now to give your business a boost: bit.ly/4q5iJcq
#ChichesterBusi
For any business owner sourcing funding, knowing your EBITDA is non-negotiable.
EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) gives lenders a clear view of your operational cash profit. They rarely use the standard figure, focusing instead on Adjusted EBITDA to determine:
EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) gives lenders a clear view of your operational cash profit. They rarely use the standard figure, focusing instead on Adjusted EBITDA to determine:
Decoding EBITDA: How Lenders Use This Crucial Metric
Understand how to calculate EBITDA, why it's a vital measure for business valuation, and its critical importance to lenders when assessing loan eligibility and risk. SEO focused on 'what is ebitda?'.
bit.ly
January 28, 2026 at 10:40 AM
For any business owner sourcing funding, knowing your EBITDA is non-negotiable.
EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) gives lenders a clear view of your operational cash profit. They rarely use the standard figure, focusing instead on Adjusted EBITDA to determine:
EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) gives lenders a clear view of your operational cash profit. They rarely use the standard figure, focusing instead on Adjusted EBITDA to determine:
Borrowers are Prioritising Stability. In the current environment, Fixed-rate mortgages are the preferred choice, covering about 90% of new buy-to-let lending.
This dominance of fixed rates reflects a smart investor focus on securing long-term cost certainty against fluctuating economic conditions.
This dominance of fixed rates reflects a smart investor focus on securing long-term cost certainty against fluctuating economic conditions.
January 26, 2026 at 8:39 AM
Borrowers are Prioritising Stability. In the current environment, Fixed-rate mortgages are the preferred choice, covering about 90% of new buy-to-let lending.
This dominance of fixed rates reflects a smart investor focus on securing long-term cost certainty against fluctuating economic conditions.
This dominance of fixed rates reflects a smart investor focus on securing long-term cost certainty against fluctuating economic conditions.
Is 2026 the time commercial landlords sell to their existing tenants?
With mounting 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
Reduced
With mounting 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
Reduced
Commercial Property: Why 2026 Could Be the Year Landlords Sell to Their Tenants
The UK commercial property sector faces a strategic turning point in 2026, driven by rising maintenance costs, imminent EPC deadlines, and potential Capital Gains Tax changes. This environment is making a streamlined exit strategy highly desirable for landlords
bit.ly
January 23, 2026 at 11:32 AM
Is 2026 the time commercial landlords sell to their existing tenants?
With mounting 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
Reduced
With mounting 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
Reduced
The market is suggesting "GO" for the smart property investors.
We're seeing two key trends that make now an exceptional time to expand a portfolio:
Lender competition is driving down the cost of finance, with loan margins narrowing by 25–50 bps.
Rental income is rising, with some sources putting
We're seeing two key trends that make now an exceptional time to expand a portfolio:
Lender competition is driving down the cost of finance, with loan margins narrowing by 25–50 bps.
Rental income is rising, with some sources putting
January 22, 2026 at 3:39 PM
The market is suggesting "GO" for the smart property investors.
We're seeing two key trends that make now an exceptional time to expand a portfolio:
Lender competition is driving down the cost of finance, with loan margins narrowing by 25–50 bps.
Rental income is rising, with some sources putting
We're seeing two key trends that make now an exceptional time to expand a portfolio:
Lender competition is driving down the cost of finance, with loan margins narrowing by 25–50 bps.
Rental income is rising, with some sources putting
Article 4 doesn't just change planning - it changes the maths of a deal. As councils tighten their grip, lenders may revert to 'bricks and mortar' valuations rather than 'investment value' for properties without clear planning history.
HMO owners with mortgages maturing may want to review borrowin
HMO owners with mortgages maturing may want to review borrowin
Blizzard of new HMO restrictions likely as council consults
One of the busiest cities in the UK for rentals is likely to see stricter controls on HMOs in many suburbs.
bit.ly
January 22, 2026 at 10:01 AM
Article 4 doesn't just change planning - it changes the maths of a deal. As councils tighten their grip, lenders may revert to 'bricks and mortar' valuations rather than 'investment value' for properties without clear planning history.
HMO owners with mortgages maturing may want to review borrowin
HMO owners with mortgages maturing may want to review borrowin
From a lending perspective, business rates are a fixed drain on EBITDA. If your rates double, your Debt Service Coverage Ratio (DSCR) shrinks. For many SMEs, this doesn't just mean less profit; it means they may no longer meet the covenants of their current loans or qualify for the refinancing they
5,500 small firms urge Reeves to halt ‘apocalyptic’ business rates shock
More than 5,500 small businesses warn Rachel Reeves that looming business rates changes could force permanent closures across UK high streets. Read more: 5,500 small firms urge Reeves to halt ‘apocalyptic’ business rates shock
bit.ly
January 21, 2026 at 10:39 AM
From a lending perspective, business rates are a fixed drain on EBITDA. If your rates double, your Debt Service Coverage Ratio (DSCR) shrinks. For many SMEs, this doesn't just mean less profit; it means they may no longer meet the covenants of their current loans or qualify for the refinancing they
The 2030 EPC deadline represents a fundamental shift in how we define 'Prime' commercial real estate. We are transitioning from an era where property value was dictated solely by location and yield, to one where energy performance is a key determinant of capital security. From a commercial broker pe
Landlords urged to act now ahead of costly 2030 EPC deadline - BuyAssociation Group - UK
If you are a landlord like me, then the EPC upgrades needed to raise rental properties that are band D, E or F to the minimum C – the level that will be
bit.ly
January 20, 2026 at 4:36 PM
The 2030 EPC deadline represents a fundamental shift in how we define 'Prime' commercial real estate. We are transitioning from an era where property value was dictated solely by location and yield, to one where energy performance is a key determinant of capital security. From a commercial broker pe