Commercial Mortgages

Welcome to the Commercial Mortgages area of our website.  This is the section for you if you‘re looking for a business mortgage to purchase your premises or if you’re a commercial property investor looking to finance either a purchase or remortgage.  Please be aware our Commercial Mortgages section doesn’t include rate information because in most cases rates are determined on an individual basis based on the strength of your proposition.  To assess the rate you’re likely to pay, please fill in the quick enquiry form and we’ll call you back to chat through your proposition to target the right choice of Commercial Mortgages for you.

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Please Note: Commercial Mortgages are NOT regulated by the Financial Services Authority as they are regarded as a commercial investment transaction.

Compare Commercial business Mortgage rates from a wide range of commercial mortgage lenders - Let us help you find a great commercial mortgage deal that meets you needs. We can help source commercial mortgage rates for; shops, cafes, bars, restaurants, takeaways, shops with flats above, guesthouse B&B's, offices, warehouses, industrial units, kennels, farms - you name it !

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Commercial Mortgages

With the Commercial mortgage rates and commercial mortgage lenders becoming tighter in their commercial lending criteria, let us help you find the best commercial mortgage rate deal from our large panel of commercial mortgage lenders and compare Commercial Mortgages and the best deals...

A commercial business mortgage provides an excellent business finance solution for a company to purchase land, property or acquire an existing business. Commercial business Mortgage Lenders do tend to only lend on the 'bricks and mortar' not goodwill. Commercial Lenders will want to secure a first charge over the property in order to secure their finance.

The pricing of Commercial Mortgages is significantly more complicated than the residential market.

Unlike the residential market, there is an ability to, at times, negotiate and that’s where we can add our greatest value to your transaction. The business mortgage rate will depend on numerous factors, not just current mortgage interest rates, but also the track record of the mortgage borrower, the credit history of the commercial mortgage borrower (and that of any commercial tenant, if you are letting the business property), whether you are full status or require a self cert commercial mortgage, the past and projected performance of your business, and often it is dependant on any additional security you can offer.

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The use of a personal guarantee or otherwise can assist us in negotiating the actual commercial business mortgage rate you will be offered and more so for those requiring a self cert commercial mortgage, when they are usually compulsory. 

Examples of property that may qualify for a commercial business mortgage product;

• Shop with flats above
• Take-Aways
• Restaurants
• Pubs & Restaurants (with or without self-contained residential accommodation)
• Retirement Homes and residential care homes
• Nursing Homes with owners accommodation
• Guest Houses and Bed & Breakfast
• Retail premises
• Office Buildings
• Warehouses
• Buy-to-Let investment property
• Houses of Multiple Occupancy (HMO)
• Garage showrooms
• Hotels
• Light Industrial property
• Holiday Let Property
• Equestrian centres with residential accommodation
• Block of flats
• Houses in Multiple Occupancy
• Freehold flats and maisonettes
• Flats above commercial properties
• Ex Local Housing Authority properties
• Studio flats and bedsits
• Multi unit properties
• Commercial industrial units
• Commercial property development
• Farm Property and Land
• Professional Practices  Dentists - Architects - Accountants (up to 100% Financing available)
• Retail Sectors
• Private Schools and Nursery

 

 

Commercial Mortgages are commercial transactions and they are all determined differently depending on the circumstances of the commercial business. The actual mortgage you pay is therefore negotiable and we will assist you through this process

• Compare Commercial Mortgages- self cert
• Compare Commercial Mortgages- No accounts
• Compare Commercial Business Mortgage rates- interest only
• Compare Commercial Business Mortgage rates- investment opportunities
• Commercial Mortgages on Shops
• Commercial Mortgages on Industrial Units
• Commercial Mortgages on Offices
• Commercial Mortgages on Guest Houses / Hotels

Enquire now about Commercial Business Mortgage rates

 

extract from news article;

Commercial Mortgages become scarce

Business owners often need to consider a commercial mortgage when starting or expanding a business in the UK. A commercial mortgage is generally offered at a term of 15 years, and if you default on the loan, your entire business may be in jeopardy. It is important to find the best deal possible on your mortgage, but if you are seeking a commercial mortgage – no accounts included, your options may be significantly more limited. This article will cover the commercial mortgage – no accounts possibilities that clients can find without formal trading accounts.

COMMERCIAL MORTGAGES ARE NOT REGULATED BY THE FINANCIAL SERVICES AUTHORITY

There are many reasons why you might seek a commercial mortgage – no accounts product. It may be that your current bank doesn't offer the rate or terms you want in your mortgage product. You may be a new business that is just starting out and doesn't have formal trading accounts just yet. Some businesses, like service-based industries may not require a formal trade account right away. While some lenders are hesitant to work with clients who are not current customers with their institution, others are more than willing to find potential clients the best deal on a commercial mortgage – no accounts package.

Unfortunately, many standard lending companies may not be the best option for a commercial mortgage no accounts product. This may even be the case if your current bank becomes your mortgage prospect. These institutions are not in the position to offer you the best deal on a mortgage loan. In fact, many are reluctant to loan money to many small businesses because of the risk involved. Banks that specialize in the best commercial deposit accounts are often sorely lacking in mortgage options that are advantageous to small business owners. This prompts many to seek outside sources for a commercial mortgage – no accounts option.

There are companies that are anxious to lend money for a commercial mortgage – no accounts necessary. Instead of proving your worth through trade accounts, you can show your value to potential loan company with other information. Business owners seeking a commercial mortgage – no accounts option can prove the viability of their company through documentation like audited accounts for the previous year or two, a profit-loss forecast and asset and liability statements. Many will lend money based on securing the loan against the commercial property purchased, just like residential lenders.

If you are in the market for a commercial mortgage, don't limit yourself to your current banking institution. There are many lenders that specialize in a commercial mortgage no accounts deals, and they will often offer the most competitive rates and terms. If you are unsure where to begin this process, a mortgage broker who specializes in a commercial mortgage – no accounts product may be your best source of information. This professional is familiar with the companies that provide these lending products and can help you shop around for the best deal for your business. Don't settle with what your bank can offer; our advisors understand commercial mortgage – no accounts options let us help you to find the most favorable rates and terms for your business needs.

 

page: commercial mortgage, compare Commercial Mortgages, Commercial Mortgages,

Compare Commercial Mortgages- self cert

Compare Commercial Mortgages- No accounts

Compare Commercial Business Mortgage rates- interest only

Compare Commercial Business Mortgage rates- investment opportunities

Commercial Mortgages on Shops

Commercial Mortgages on Industrial Units

Commercial Mortgages on farms

Commercial Mortgages on Guest Houses / Hotels