You keep the client. We do the legwork, from the first criteria check to completion, on commercial, semi-commercial, bridging and development cases.
Business owner or landlord?
We are a credit broker, not a lender. We work with a panel of specialist lenders, whose details are available on request, and receive commission from the lender when a loan completes.
Advise the client yourself and hand us the paperwork, or refer the client and one of our advisers gives the advice. Either way, you're kept up to date and paid on completion.
You receive a share of the procuration fee. Split available on request.
You receive a referral fee on completion, agreed in writing beforehand and disclosed to the client.
High street lenders often turn down mixed-use buildings, short trading histories and tight completion dates. Our panel of specialist lenders looks at the whole case, not just the boxes it doesn't tick.
Every building on the high street needs finance at some point. We arrange it for all of them.
Point at a building, or tap a name below, to see how we'd finance it.
A small, local firm and part of Jubilee Finance. We can visit properties across East Anglia before a case goes to a lender.
One named contact handles the case from the first call to the day the funds are released. No account managers passing messages.
A yes, a no, or the questions that decide it. Every live case gets a weekly update.
We work with a panel of specialist lenders and match each case to one whose criteria fit.
Jubilee Finance is authorised by the FCA for mortgages, so the commercial loan and a regulated home loan can sit with the same team.
We can arrange protection alongside the loan, but only for your client if you ask us to.
When we arrange a bridge, we plan the refinance that repays it at the same time, and can arrange that too.
A free, no-obligation check against lender criteria before anything is submitted. Your fee share confirmed in writing first.
A small team you can call by name.
The reasons we hear most, and how cases like them usually get funded.
Example scenarios showing the kinds of case lenders on our panel consider. Drag the handle to see where a case starts and how it finishes.
A first-time buyer finds a property that needs work before anyone could live in it. Most lenders say no until it's habitable.
Lent on the property's value as it stands, so the purchase goes ahead and the work follows.
Eight example scenarios, from chain breaks and buy to let portfolios to business finance.
Plain answers to the question everyone should ask a broker.
Send us the outline. We'll come back within 24 working hours with a yes, a no, or the questions that decide it.
Send us the outline and we'll reply within 24 working hours. Or call us on 01359 305065.
How we look after people who may need a little more support, and how we keep this site usable for everyone.
Before launch: Richard to confirm these commitmentsAnyone can need extra support at some point: after a bereavement or a diagnosis, during a relationship breakdown, if money is tight, or simply when finance is unfamiliar. We want every client to understand what they're agreeing to and to get a result that works for them.
As part of Jubilee Finance, we follow the Financial Conduct Authority's Consumer Duty and its guidance on the fair treatment of vulnerable customers.
You don't need to give us a reason. Tell us what would help, as much or as little as you're comfortable with, and we'll only record what we need to support you.
Some of the loans we arrange are secured on your home. We'll always explain the risks, the total cost and what happens if things go wrong before you commit, and we'll tell you if we don't think a loan is right for you.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
If you're unhappy with our service, tell us and we'll put it right where we can. You can read our complaints procedure, and for regulated products you may be able to refer a complaint to the Financial Ombudsman Service.
If you're worried about money, free and impartial help is available from MoneyHelper.
We want this site to be usable by as many people as possible. It aims to meet the Web Content Accessibility Guidelines (WCAG) 2.2 at level AA, and every page is checked with automated accessibility tests.
If something on the site doesn't work for you, call us on 01359 305065 or email advice@jubileefinance.co.uk and we'll help another way and fix the problem.
We're a family-run team based at Buxhall Business Park, near Stowmarket, in mid Suffolk. We package cases from across the UK, and for clients closer to home we're happy to meet in person.
Stowmarket, Bury St Edmunds, Ipswich, Needham Market, Diss, Sudbury, Newmarket, Haverhill, Norwich, Cambridge, Colchester and the towns and villages in between.
We can meet at your premises or at the property, or talk by phone or video call if that's easier.
East Anglia has plenty of buildings that mainstream lenders find awkward. These are the kinds of property we can help finance:
Criteria vary by lender and change often, so we confirm them on every case.
If you're a broker in Suffolk, Norfolk, Essex or Cambridgeshire, we're a phone call away. Hand us your commercial, bridging and development cases and keep the client. We check criteria, package, submit and chase to completion.
Being based in Suffolk doesn't limit where we work. We package cases across the UK, and each lender's lending area is confirmed on the case.
Living abroad and buying in the UK? Some specialist lenders will lend to overseas nationals and UK expats on commercial, buy to let and bridging finance. We find the ones that fit and package the case.
Some lenders don't lend to residents of certain countries. Tell us where you live and we'll tell you quickly whether there's a route.
Lenders may ask for certified translations of documents that aren't in English, and you'll usually need a UK solicitor and a UK bank account.
If your income is in a different currency, changes in exchange rates can affect how much your repayments cost you.
If you or a family member will live in the property, the loan may be regulated. Regulated lending is advised by a Jubilee Finance adviser, who will explain the costs and risks before anything is agreed.
We can arrange calls and video meetings to suit your time zone.
Short, practical notes on commercial and bridging cases: what lenders look at, and how to give a case its best chance.
The situations high street lenders find awkward, and how they're usually funded. Pick the one closest to your case.
The specialist finance we can package and arrange. Criteria vary by lender and change often, so we confirm them on every case. Loan sizes, loan to value and rates are available on request.
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Quick, indicative figures to test a case before you call. You enter the rate; we never assume one.
How much of the property the loan covers, and how comfortably the rent covers the interest.
The loan
Income
Work backwards (optional)
Interest cover is annual rent divided by annual interest at the rate entered. The max loan figures use the targets you enter; lenders set their own limits and stress rates.
The monthly cost of a term loan, on capital and interest or interest only.
Excludes fees. Assumes a fixed rate for the whole term, which real products rarely have.
Work back from the cash needed on day one to the gross loan once fees and retained interest are added.
The loan
Pricing
How it's worked out
Further tranches
Interest is treated as retained (deducted at the start) and the arrangement fee is added to the loan. Tranches are released in full on the draw month, with interest retained from then to the end of the term. Excludes valuation, legal and exit fees. The loan must be repaid in full at the end of the term, usually by sale or refinance.
The gross facility for a build, with loan to cost and loan to GDV.
Costs
Funding
Pricing
Assumes the land advance is drawn on day one and build funds are drawn evenly over the term, with simple interest rolled up and the arrangement and exit fees added to the loan.
These calculators are for illustration only. They are not a quote, an offer of finance or any lender's rates. Actual terms depend on the lender's assessment of the case.
For professional intermediaries only. Most brokers only see a handful of commercial or bridging cases a year, and each one eats hours. Hand them to us and they reach the lender complete, first time, with the evidence the underwriter will ask for.
Six stages, one person to call throughout. Timings depend on the valuation, the legal work and the lender.
Standard residential and buy to let cases can often go direct to lenders through your network or club.
Many commercial, semi-commercial, bridging, development and business loan lenders only take cases through a packaging partner. That's us.
Firms with their own lender agreements can still pass us the casework when time is short.
Register once, then send cases whenever they come up. We'll send our introducer agreement to sign.
If your bank has said no, or your property or income doesn't fit the standard form, there may well be another route. We'll tell you honestly whether there is, and you'll speak to the same adviser from the first call to the day the money arrives.
Six stages, one person to call throughout. Timings depend on the valuation, the legal work and the lender.
We are a credit broker, not a lender. We work with a panel of specialist lenders, whose details are available on request, and are paid commission by the lender when your loan completes. We'll tell you before you commit if we also charge a broker fee.
Leave your details and an adviser will call within 24 working hours.
Eight scenarios showing the kinds of case lenders on our panel consider, from a first home that needs work to a specialist commercial purchase. They are illustrations, not records of Jubilee cases, and every case is assessed on its own facts.
Plain answers to the questions brokers and business owners ask us most.
A packager prepares a case so a lender can decide on it quickly: checking criteria, collecting documents, presenting the case and chasing it through underwriting. The introducing broker keeps the client.
Packaged means you advise and we handle the application. Referred means our adviser takes on the advice too. Both pay you a share of the fee.
Have two to three years' accounts, a rent schedule and leases, borrower details (company number, directors, guarantors) and heads of terms for a purchase.
Development loans are released in stages as the build progresses, after a surveyor checks the work. Lenders look at planning, build costs, the borrower's track record and how the loan will be repaid, usually by selling the finished units.
Many landlords and investors borrow through a limited company. Most specialist lenders accept this, and directors are usually asked for personal guarantees. Speak to your accountant about tax; we'll find a lender that suits the structure.
The usual reasons are an unclear exit, rent that doesn't cover the interest, a property type the lender won't take, or missing documents. Most can be solved by choosing a different lender or presenting the case differently, which is what we do.
A bridge is repaid in full at the end of the term, usually by selling the property or refinancing onto a longer-term loan. Lenders want to see a realistic exit before they lend.
Looking for finance for your own business or property? .
For professional intermediaries. Choose how you'd like to work: refer a case and you keep the advice while we package it, or refer a client and a Jubilee Finance adviser advises them.
All fields are needed unless marked optional.
All fields are needed unless marked optional.
Tell us a little about what you need. An adviser will call within 24 working hours.
All fields are needed unless marked optional.
For professional firms only: brokers, estate and letting agents, solicitors, conveyancers, accountants and others who meet people needing finance. Tell us about your firm. Once we've checked your details we'll send our introducer agreement for signature. We never ask for bank details by email; those are collected separately once the agreement is signed.
All fields are needed unless marked optional.
How Jubilee Commercial Solutions collects, uses and protects personal information.
Last updated 26 October 2026
Jubilee Commercial Solutions and Jubilee Finance are trading styles of Belham Limited, registered in England & Wales (07401124), registered address Dovedale, Thwaite Road, Thorndon, Eye, Suffolk IP23 7JJ. Belham Limited is the data controller for the personal information described here.
Contact us about your data at advice@jubileefinance.co.uk, on 01359 305065, or by post to 17 Buxhall Business Park, Buxhall, Stowmarket, Suffolk IP14 3BW.
Our ICO registration number is ZA215113.
Our calculators run in your browser. The figures you type into them are not sent to us or stored.
Please don't send ID, bank statements, account details or health information through the website forms.
| What we do | Lawful basis |
|---|---|
| Reply to your enquiry or request a callback | Steps you ask us to take before a contract; our legitimate interest in responding |
| Arrange finance, package and submit a case to a lender | Performance of our contract with you or the introducing firm |
| Check introducers, prevent fraud and money laundering, keep regulatory records | Legal obligation |
| Pay introducers their share of fees | Contract with the introducing firm |
| Analytics cookies | Your consent, which you can withdraw at any time |
| Marketing emails | Your consent, or for introducers our legitimate interest; you can opt out at any time |
We don't make decisions about you by automated means. A member of our team prepares and checks every recommendation and application. Lenders may use their own automated systems when they assess an application; their privacy notices explain how.
Lenders may carry out credit reference and fraud prevention checks. We do not sell your personal information.
We do not expect your personal information to be transferred outside the United Kingdom. If that changes, we will make sure appropriate safeguards are in place, such as UK-approved contract terms, and update this notice.
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You have the right to ask for a copy of your information, to have it corrected, deleted or restricted, to object to how we use it, to have it moved to another provider, and to withdraw consent. Some rights are limited where we must keep records by law. To use any of these rights, contact us using the details above. We'll reply within one month.
If you're unhappy with how we've handled your information, please tell us first. You can also complain to the Information Commissioner's Office at ico.org.uk or on 0303 123 1113.
We'll update this page when anything changes and show the date at the top.
The terms you'll meet in commercial, bridging and development finance, in plain English.
Ask for the commercial team. Every enquiry gets a reply within 24 working hours.
01359 305065
advice@jubileefinance.co.uk
17 Buxhall Business Park
Buxhall, Stowmarket
Suffolk
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Jubilee is a family-run firm in Suffolk. Your case stays with one named person from the first call to completion, so you never have to explain it twice.