Christie Finance

Part of the Christie Group

Commercial Mortgages
- Hotel Mortgages
  Purchasing a hotel or extending and upgrading premises you already own, Christie Finance will help you get the funding you need.
- Pub Mortgages
  Christie Finance will help you get the funding you need to purchase or lease the pub you want.
- Restaurant Mortgages
  Purchasing a restaurant, or expanding an established offering, Christie Finance will help you get the funding you need.
- Care Mortgages
  Whether you are a first-time care operator or you’d like to extend premises you already own, or grow your portfolio, we can help.
- Childcare Mortgages
  Purchasing a nursery business for the first time or growing your portfolio let Christie Finance help get the funding you need.
- Dental Practice and Pharmacy Mortgages
  Whether you are a first-time operator, developing the pharmacy or dental practice you already own, or growing your portfolio, we can help.
- Retail Mortgages
  Entering the retail sector for the first time, or looking to grow your existing retail business, let Christie Finance help.
- Leisure Mortgages
  Whichever sub-section of this varied and vibrant sector you’re interested in, Christie Finance will help you get the funding you need.
- Development Mortgages
  Arranging funding for developments across the sectors in which we specialise.
Unsecured Loans
- Unsecured Loans
  Providing a quick and easy way to get a business loan in as little as 24 hours.
Corporate Debt Advisory
- Corporate Debt Advisory
  Providing specialist advice to clients on all aspects of their debt finance needs to achieve their financing requirements.
About
- About Us
  At Christie Finance, we realise that commercial mortgages may not be the most scintillating subject in the world but it’s one of the most important – to UK plc and to us.
- Christie & Co Network
  Christie Finance is part of the Christie & Co Network, which also includes Christie & Co and Christie Insurance.
- Christie Group plc
  Christie Finance is part of the international Christie Group plc – a leading professional business services group, with 33 offices across the UK and Europe.
Completed Deals and News
- Completed Deals
  Latest news from Christie Finance.
- Press Releases
  Find out what we've been up to within Christie Finance.
- Blogs
  Key insight on the commercial mortgage market.
- FAQs
  Find answers to your questions about commercial mortgages and unsecured finance.
- Glossary
  Commercial finance glossary.
- Mortgage Calculator
  Business mortgage calculator to work out how much your monthly repayments may cost you over your requested loan term.
Careers
- Careers
  Christie Finance is a progressive and growing business – we want our people to grow with us.
- Vacancies
  Join our fantastic team.
Contact
- General Enquiries
- Our Offices
  Christie Finance operates from five regional Hubs across the UK. Our Consultants have direct experience and in-depth knowledge of the local market and are based close to you and your business.
- Team Directory
- Complaints

Home > Completed Deals and News > Glossary

Glossary

Commercial finance glossary.

A B C D E F I M N O P S T U V Y L

Ability to pay
Refers to the borrower's ability to make interest and principal payments on debts.

Advance of Discount Loan
An unsecured loan (commonly up to £20,000) offered by your brewery to act as security against your public house in exchange for you signing an agreement to purchase a number of products from them.

Adverse Credit
The term used if the borrower has a poor credit history. This could include previous mortgage or loan arrears, bankruptcy or CCJs.

Amortisation
Repayment of the capital element of a debt over time, often by an equal amount each year.

APR (Annual Percentage Rate)
The interest rate reflecting the cost of a mortgage as a yearly rate.

Arrangement Fee
The fee you pay your lender in return for them providing you with a mortgage.