Loan Amounts and Funding Terms
Up to 25 year terms with fixed monthly payments
Commercial mortgage amounts ranging up to £10 Million
Professions can borrow from £100,000
Any other business types can borrow from £200,000
You are a UK registered sole trader, limited company or partnership?
Are you looking to mortgage commercial property within the UK?
Are you looking to raise funds via commercial property mortgages?
Do you want to take advantage of lower payments compared to leasing or renting?
Commercial mortgages are a type of business loan used to purchase commercial property, which can allow for growth and expansion.
Specifically designed for businesses, commercial mortgages offer large loan amounts and long repayment terms.
Whether you're a small business or a large corporation, a commercial mortgage can be tailored to meet your unique needs allowing you to purchase new property or refinance existing ones.
How to apply for commercial mortgages?
Fill out our application form in less than 5 minutes
Your application will be allocated to your dedicated case manager
Your case manager will be in touch within 4 working hours
They will collect all required documents to process your application
You will receive a decision in principle within 72 hours
Your commercial mortgage will be paid out typically in 4-8 weeks (in some cases it may take longer)
The Benefits of Commercial Mortgages
Flexible Terms and Borrowing Amounts
Commercial mortgages are available over flexible terms up to 25 years.
While there is a £10 million limit, maximum borrowing amounts are determined by the value of the property being purchased or refinanced, affordability assessments and credit checks.
All proposals are subject to full underwriting & acceptance.
Increased Spending Power
A far from ideal situation of having a lack of funds to successfully finance company operations can have a negative impact on performance.
With a wide range of versatile commercial mortgages available, we can help source the most suitable funding to meet your needs and allow your organisation to obtain the best options from our extensive funding panel.
Commercial mortgages can benefit organisations by sourcing finance secured on commercial property to cover shortfalls in funding, to improve efficiency or increase investment. Mortgages can be used for a variety of purposes such as;
- Land Acquisition
- New property developments
- Existing property improvement and refurbishment
Reduce Future Expenditure
The ability to purchase a property as opposed to paying rental fees can reduce outgoings and increase company spending power.
As well as increased freedom to utilise your commercial property as you see fit, without restrictions.
By utilising borrowed funds to acquire or develop income-generating properties, your business can generate steady cash flow and build equity over time.
In today's ever-growing and fast-paced business world, staying ahead of the competition is crucial.
To achieve financial growth and expand your business, access to adequate funds is essential and commercial mortgages can play a pivotal role in securing your future.
Commercial mortgages are a type of loan specifically designed for businesses looking to purchase or refinance commercial properties.
One of the top benefits of commercial mortgages is the potential to access larger loan amounts compared to traditional business loans. This means that you can secure the funding necessary to purchase or refinance commercial properties, giving you the opportunity to grow and scale your business.
View our full range of business finance facilities here
Frequently Asked Questions
A commercial property mortgage is a long-term loan, usually available up to 25 years, that is used for the purchase of commercial land or property. Unlike residential mortgages, most lenders will only fund up to 60% LTV, meaning you must have the funds for the remaining 40% of the purchase.
There are a number of loans available for commercial property
- Bridging Finance
- Commercial Mortgages
- Property Development Loans
- Refurbishment Loans
The time taken to get a commercial mortgage varies due to number of factors. There is a number of steps and procedures that you must follow when applying and when your application is being processed. Most commercial mortgages take 4-8 weeks from application to funds being released, however this can take longer depending on the complexity of the purchase.
With most lenders funding a maximum of 60% LTV, you will need a 40% deposit in order to be approved for a commercial mortgage.
Usually, commercial mortgages are available up to 25 years terms.
What are alternative lenders?
Alternative finance providers have stepped up to fill the gap in traditional lending, which has been a lifeline for many businesses.
Many businesses can benefit from this alternative route when applying for a commercial business loan as it can be quicker and easier to seek out funding. Many lenders need minimal information to get the ball rolling.
Click to read more
What can I use as security for a business loan?
Find out what you can use as security for a secured business loan.
There are range of different types of assets that are eligible to be used as security. How much you can borrow depends on which type of asset you use as security.
Click to read more
How to get started in property development and secure funding
Property Development takes planning, time and most importantly money.
There are many routes you can take to become a property developer, either alone, in a partnership or using a property investment company.
Regardless of which route you take, you will always need adequate funding to get the ball rolling. Funding can come from a variety of sources......
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