Commercial finance in Havant and Waterlooville

Personal commercial finance for Havant borough

We are Charles and Melanie Calvert, and Vantage is based along the coast in Fareham. We arrange commercial mortgages, bridging, development finance, asset finance, invoice finance and business loans for businesses and property investors across Havant, Waterlooville, Emsworth, Hayling Island and the surrounding area. You speak to us directly, and we stay involved until the funds are released.

What we arrange in Havant and Waterlooville

• Commercial mortgages for owner-occupied industrial units, workshops, offices and retail premises, and for investors buying let commercial property.
• Asset finance for plant, machinery, vans and production equipment.
• Invoice and trade finance for manufacturers and distributors who wait 30, 60 or 90 days to be paid.
• Bridging loans for auction purchases, refurbishments and time-critical deals.
• Development finance for conversions and small residential schemes.
• Buy-to-let, HMO and portfolio finance for landlords across the borough.

The Havant market from a lender’s point of view

Havant has a strong base of manufacturing, engineering and distribution businesses, helped by its position on the A27 and A3(M). Dunsbury Park, next to the A3(M), is a large industrial and manufacturing park within the Solent Freeport, and Langstone Park on Langstone Road offers mixed business, warehouse and laboratory space. Firms growing into new premises in these locations often need a combination of premises finance, equipment funding and working capital.

Waterlooville and Havant town centres have a mix of retail parades, offices and mixed-use buildings, while Emsworth and Hayling Island add waterfront, hospitality and holiday-let property, which some lenders treat as a specialist area. We know which lenders are comfortable with each and how to present the case so the valuation and the underwriting reflect the local demand.

Typical cases we help with

• A manufacturer moving from a rented unit to buying its own premises with an owner-occupier commercial mortgage.
• A distribution business releasing cash tied up in invoices to fund a new contract.
• An investor refinancing a parade of shops with flats above in Waterlooville.
• A Hayling Island property owner bridging the purchase and refurbishment of a holiday let before moving to longer-term finance.

Areas we cover

Havant, Bedhampton, Leigh Park, Waterlooville, Cowplain, Purbrook, Widley, Denvilles, Emsworth and Hayling Island, plus nearby Horndean and Rowlands Castle, Portsmouth, Fareham and the rest of Hampshire and West Sussex.

Useful tools before you call

Use our business loan calculator, commercial mortgage calculator or development finance calculator to get a feel for the numbers, then talk to us about what lenders would actually offer.