A Commercial mortgage is a loan secured by a commercial property, like a shop, office or factory, and is typically used by businesses to purchase or finance their commercial real estate.
A commercial mortgage is designed to facilitate the purchase or refinancing of property intended mainly for commercial or business purposes. It can serve as an investment vehicle, like a commercial buy-to-let arrangement, or allow a business to operate from a particular location. Whether you’re interested in investing or securing a space for your enterprise, we can guide you through the options available.
Commercial mortgage options encompass two main types: owner occupier mortgages for business premises and commercial investment mortgages for property investors. We are committed to helping both types of clients find the most fitting financial solutions based on individual needs, circumstances, and preferences. Reach out to us today to explore your opportunities.
An owner-occupied business mortgage suits those intending to acquire property as a base for their business operations. These mortgages often receive favorable consideration from lenders compared to investment-focused mortgages, as they tend to carry less risk. One key benefit of owner-occupied commercial mortgages is the generally lower interest rates lenders offer, along with the possibility of securing longer-term agreements. Borrowers can choose between fixed interest rates or variable ones.
Kickstart your building project with a development loan. Our goal is to assist property developers in obtaining appropriate financing—catering to new constructions, redevelopment efforts, significant renovations, or general refurbishments. We are here to aid in navigating the residential development landscape. As there are no universal rates for property development finance, our expansive reach across the mortgage market allows us to work alongside development lenders and other key partners to locate the most suitable financial options for your unique situation. Lenders evaluate each loan application on the project’s merit and the borrower’s credentials. Our expertise means we know exactly what information is crucial in an application and how best to present it for successful submission.
A mortgage refers to a loan backed by your real estate. If you fail to maintain your mortgage payments or any other debt tied to your property, there is a risk that your property could be reclaimed. It’s important to note that commercial mortgages do not fall under the regulation of the Financial Conduct Authority.
