Commercial Mortgages

We offer a broad range of commercial mortgage products for the acquisition and development of freehold commercial, retail and investment properties. Our promise is to search the entire UK market for the best possible deal on your behalf, we do not charge upfront fees and to initiate our fully managed service we only ask that you are a serious purchaser. Call us today on 01293972071 or submit an enquiry we will then provide you with a decision in principle on a mortgage offer generally the same day. We can provide a Commercial Mortgage for both Owner Occupier and Investment purposes for the following premises:

  • Offices, warehouse and industrial premises.
  • Residential and Commercial Mortgages for Property Development and Refurbishment.
  • Commercial Mortgages for Nursing / Care Homes and Day Nurseries.
  • Professional landlord, Buy to Let mortgages and portfolio consolidation/equity release.
  • Commercial Mortgages for High Street Retail premises, semi-commercial, shops, takeaways.
  • Pubs, clubs, hotels, restaurants, cafes and other licensed premises.
  • Farms, equestrian and agricultural units.
  • Leisure Facilities – health clubs, gyms, caravan sites, golf courses etc.

Who can get a Commercial Mortgage?

We specialize in providing finance for existing business users, and those looking to start their own business. If you have previous credit problems this will not necessarily be a bar to obtaining funding as there are lenders in the market who will help. Audited business accounts or a previous trading history are not always necessary as lending decisions can be made against the value of the property and your ability to repay the loan from business income or property rental yield as appropriate. For a no-obligation discussion and mortgage illustration please call us today on 01293972071 or submit an enquiry.

How much can you borrow?

In general terms, we can arrange a Commercial Mortgage up to 80% of the ‘bricks and mortar’ value of the property or 75% of the business purchase price including goodwill etc. if you are taking over a going concern. We have strategic partnerships with lenders who will, in certain circumstances, offer a Commercial Mortgage to 100% funding if additional freehold security is made available. In addition, we can often help you to secure additional top up and bridging finance for the purchase if necessary. We have special deals available of up to 95% funding for sitting tenants wishing to buy the business or Commercial Property they are currently successfully renting. Please call us today on 01293972071 or submit an enquiry for full details.

What interest rate will you pay?

The interest rate and terms offered generally depend on the amount you wish to borrow as a percentage of the purchase price, the term of the loan and your previous credit history. We have access to the most competitive interest rates anywhere in the market and guarantee to a source you the best Commercial Mortgage deal possible. Interest rates currently start at 2.5% above bank base rate.

Why Use a Commercial Mortgage Broker?

A Commercial Mortgage is a very specialised product with the majority of lenders choosing to work only via qualified and accredited Commercial Mortgage brokers and this becoming more important in the current financial climate. We will professionally assess your borrowing requirements and accurately match your needs with over 30 Commercial Mortgage lenders still actively lending in the UK.To get the loan formally approved in the fastest possible time we will fully package the application and submit directly to the lender’s credit committee with supporting information.

In the initial stages our aim is to quickly provide you with a minimum of three firm and competitive proposals to consider, we will usually have a decision in principle within a matter of hours giving you the security and confidence of negotiating positively on your chosen business or commercial property purchase. Our specialist knowledge and advice will save you significant time and generally save you many thousands of pounds over the term of the loan by matching the best mortgage product to your exact needs. Throughout the process you are offered the dedicated services of one of our qualified Business Finance Consultants who will if required, advise you on a wide variety of complementary funding solutions for your business over and above the Commercial Mortgage requirement.

Your Next Move?

We do not charge upfront fees, our expert advice is given freely and entirely without obligation so please let us know your requirements. If you would like us to assess the best option for your commercial mortgage call us today on 01293972071 or submit an enquiry. We look forward to working with you in sourcing and delivering your commercial mortgage.