Acorn Commercial Desk · Corporate Offices, Co-Working & PD Conversions
Bespoke commercial finance for Corporate HQs, Regional Office Blocks, Co-Working Hubs, and Professional Suites. Up to 75% LTV for owner-occupiers and investors, plus Class MA conversion bridges.
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Office Sector Funding
From Class E(g)(i) owner-occupied suites to multi-let investment blocks, flexible workspace operators and Class MA residential conversions.
Legal, accountancy, tech, and corporate businesses purchasing their own operational office space.
Tenanted office buildings, business parks, and suburban professional blocks.
Flexible workspace operators, managed offices, and business incubators.
Converting obsolete or vacant office space into residential BTL / MUFB flats under Permitted Development.
Core Underwriting Drivers
Three levers drive office pricing: energy compliance, asset quality and covenant strength, and the measured net internal area behind the rent.
Office lenders scrutinise Minimum Energy Efficiency Standards (MEES). Commercial office stock facing Band D or lower requires an upgrade roadmap. We finance energy efficiency retrofits (HVAC, solar, LED, insulation) directly within the mortgage.
Lenders differentiate strongly between secondary suburban office space and Grade A prime assets. High tenant retention, strong corporate covenants, and flexible desk configurations command lower interest rate margins.
Office valuations rely strictly on Net Internal Area (NIA) square footage and realistic service charge cost recovery models to ensure net rental yields remain insulated during void periods.
Interactive Tool
Model gross annual rental income, gross yield, maximum commercial mortgage and DSCR from price, NIA, rent per sqft, occupancy and borrower type.
Borrower Type
Office lending blends NIA-based rental evidence with covenant strength and EPC standing. Pension purchases are capped by the SIPP/SSAS rule limiting borrowing to 50% of net fund value.
Commercial Landlord BTL: 70% LTV over 20 years at an indicative 6.95% — £6,487/mo repayment. Investment lenders typically require a DSCR of 1.20x+.
Request Office Finance Pre-ApprovalIndicative illustration only. Office valuations require a specialist RICS valuation and full lender underwrite. Actual LTVs, rates and terms depend on NIA, EPC rating, lease structure, covenant strength and borrower profile.
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or accountant. Office property acquisitions, SIPP/SSAS pension purchases, Capital Allowances on commercial office fit-outs (air conditioning, lifts, lighting), Class MA Permitted Development tax planning, and OpCo/PropCo corporate structures carry complex legal and tax implications. The information provided on this page is designed to highlight key structural concepts so you can lead an informed discussion with your qualified accountant or tax specialist.
Knowledge & Next Steps
Own your business premises in the capital with our London commercial team.
How your pension can buy your office and receive rent tax-free.
Staged drawdown funding for Class MA conversions and office retrofits.
Stop paying rent and build balance-sheet equity in your own premises.
Frequently Asked Questions