Giles Finance serves the Black Country and wider West Midlands from our office at 6 Isis Grove, Willenhall. We are an FCA-authorised, whole-of-market broker (firm reference 726857) arranging commercial mortgages, development finance and residential lending for clients across Willenhall, Walsall, Wolverhampton, Bilston and Darlaston.
What we arrange from the Willenhall office
The West Midlands work differs markedly from our London offices. Capital values here are lower and rental yields correspondingly stronger, which draws a different kind of borrower — investors buying for income rather than capital growth, and owner-occupier businesses purchasing the premises they trade from rather than renting.
- Commercial mortgages on industrial units, workshops, retail and mixed-use premises
- Development funding for ground-up schemes and conversions
- Buy-to-let mortgages and portfolio refinancing
- Asset finance for plant, machinery and commercial vehicles
- Invoice factoring and working capital facilities
- Bridging finance for auction purchases and refurbishment
The local lending picture
Willenhall’s industrial heritage still shapes its building stock. A great deal of the commercial property here is older light-industrial space — workshops, small units, yards — and lenders vary considerably in how they treat it. Age of construction, whether the unit is owner-occupied or let, tenant covenant strength and the presence of any residential element above all affect which lenders will look at a case and on what terms.
Owner-occupied commercial purchases are common here, and they are assessed differently from investment purchases: lenders look at the trading business and its ability to service the debt, not simply at rental income. Trading accounts, forecasts and the reason for the purchase all carry weight. Where a business has a short trading history, the case is not necessarily unfundable — but it does need placing with a lender whose policy accommodates it.
Areas covered from Willenhall
Willenhall, Walsall, Wolverhampton, Bilston, Darlaston, Wednesfield, Bloxwich and the surrounding WV and WS postcodes. We act for clients across England and Wales, with offices in Dagenham, Rainham and Putney.
Contact the Willenhall office
Giles Finance
6 Isis Grove
Willenhall
Walsall
WV13 1JD
Telephone: 020 8088 2211
Appointments are advisable. Send an enquiry and we will arrange a convenient time.
Giles Finance is authorised by the Financial Conduct Authority (No. 726857) to transact regulated mortgages. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Not all buy-to-let and commercial lending is regulated by the Financial Conduct Authority.