Commercial Mortgages

Solutions

Benefit from flexible approaches to longer-term property finance for all types of commercial premises

If you are buying property for your own use, or as an investment, we arrange funding for all types of commercial premises:

  • Offices
  • Warehouses and industrial
  • Retail units
  • Purpose-built student accommodation
  • Mixed use portfolios
  • Large residential portfolios including HMO
  • Multi-unit blocks with seven or more bedrooms/units

 

We can help with a wide range of application types for both new funding and remortgages. Our in-house specialists help those with complex corporate structures, those turned down already by their bank and those with a niche requirement. We always source the best approach for your specific scenario:

  • Mortgages from £50k to £25m
  • Variable and fixed rates
  • Flexible repayment terms – including interest only and capital repayment options – or a mixture of both

 

The impact of COVID-19 has added new complexity, with high-street banks being very cautious around lending in this area. To find the right deal, it’s essential to navigate the challenger bank networks and through our long-established relationships and strategic partnerships we have excellent access to the best options in the market.

Find out if we can help you with your Commercial Mortgage

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FAQs

Q: What is a commercial mortgage?

A: A commercial mortgage is a mortgage for the purchase or refinance of property or land for commercial use.

Q: What sort of properties can be purchased or refinanced with commercial mortgages?

A: The list below isn’t endless and we can help source funding for any commercial purpose or property type, but some examples are: • Shops • Offices • Factories • Warehouses • Restaurants • Pubs • B&Bs • Working farms • Mixed usage properties • Buy to Lets (single or as part of a portfolio)

Q: What if I’ve already been refused by my bank?

A: It helps us to know why you were refused by another lender but this doesn’t necessarily mean that we can’t help you, in fact it’s where we come into our own. Give one of our team a call to discuss your specific requirement.

Q: Can you help with Property Development Finance?

A: Absolutely! If you’re an experienced property developer or house builder looking for funding for your next development please give us a call.

Q: What term can I take my Commercial mortgage out for?

A: It varies from funder to funder, but as a general rule we can source terms from 7- 30 years for capital repayment mortgages and 7-10 years for interest only mortgages.

Q: Can you arrange a 2nd charge commercial mortgage?

A: Yes, we can arrange a first or second charge Commercial mortgage and the funds can be used for many purposes. We cater for a wide range of circumstances – from start-ups to established businesses – not forgetting many types of commercial property, too.

Still got a question?

Let’s chat it over. We’d love to hear from you. Just give us a call or email us.

Get in touch

Case Studies

View all case studies

Rapid Turnaround of Asset Finance Deal Ensures New Contract Win for Scot Hoist

Scot Hoist required funding to purchase two new hoists for a new business opportunity. The asset finance deal was proposed and agreed in under 24 hours and the client won the contract.
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D&M Winchester Ltd

We recently helped D&M Winchester Ltd to secure a CBILS loan of £400k to allow them to accelerate expansion of extra warehousing space to accommodate growth.
View

Teal Engineering Services

A perfect candidate for CBILS, Teal Engineering Services had a cash requirement in order to safeguard cash flow and to help with the purchase of various machines due to a reduction in cash flow during the lockdown period.
View

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