Can You Gain Access to Business Finance Without Being a Homeowner?

Business Finance Matters (BFM) · Jul 17, 2026 · 14m

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Join David and Trevor as they examine whether the relationship between lenders and homeownership remains fit for purpose, or whether the industry needs to adapt to support the next generation of UK businesses.

For decades, homeownership has often been viewed by lenders as an indicator of financial stability. For many business owners, owning a home has made it easier to access business finance, particularly where a personal guarantee is required.

However, the UK has changed over the past 20 years or so.

Homeownership continues to decline, with a growing proportion of people…