Commercial Mortgages

Commercial mortgages for the owner occupier or investor allow the purchaser, whether a company, partnership or sole trader to purchase or re-finance premises for their own business use.

Most commercial lenders have an appetite for this type of business and we are well equipped to source the right deal at the right price for your business needs.

Where possible we will attempt to tailor our lending solution to fit the exact needs of your business. This could include elements such as:

 

 

• Interest-only mortgages, part interest only/part capital repayment loans
• Capital repayment holidays
• Repayment terms up to 30 years
• Use of additional security
• Fixed, variable and interest rate ‘managed’ loans
• ‘Offset’ style loans
• Our experience covers all sectors, Office, Retail, Industrial and certain other niche markets.

Criteria

Typically, 70% to 85% loan to property valuation depending on sentiment in the particular industry sector at the time, and the trading performance of the business.

100% lending is possible, if suitable additional security can be offered and the ability to service the loan can be evidenced.

If you already own your own premises, it is vital that you periodically review the terms of that commercial loan to ensure you are getting the best possible deal.

For example, you may have started the commercial finance loan at a much higher rate to reflect the fact you were a start-up business or had no Accounts.

If the business now has an improved trading record, then it may well be cost effective to re-mortgage with a cheaper commercial finance lender.

We also offers commercial funding solutions in the following niche markets:

• Hotels
• Health Clubs
• Care and Nursing Homes
• Public Houses
• Restaurants
• Nightclubs
• Farms

 

Call Us Today on 0845 872 5461