Do you need a
commercial mortgage to buy a business ?|
Would you benefit
from a business adviser looking at your requirements and finding a lender
that is likely to agree the loan?
It could be a
pub, hotel, restaurant, garage, bed and breakfast, farm, hairdressers, cafe,
garage, motor vehicle repair workshop, take away, guest house,
retail shop, newsagents, block of flats, nursing home, care home,
small business start up or ongoing concern.
A commercial mortgage broker can help you
Do you need advice on gearing, deposit size, preparation of a business
plan to enable the bank to consider your request ?
Maybe you need help refinancing your business loans, or finding ways
to lower the interest rate you are being charged.
commercial mortgage broker can assist and provide solutions.
Commercial mortgage brokers experience these demands on a daily basis
so are well equipped to give you all the help you need. Our brokers will
fact find, analyse and negotiate with the lenders on your behalf
Commercial mortgage loans can be split in two separate categories,
"owner occupier" where the borrower is purchasing a business
premises and "commercial investment" where the borrower is
purchasing property as an asset to rent out.
commercial mortgage is probably the best way to
finance the purchase of buildings and land for business purposes - it
provides the most flexible and affordable finance solution. With
commercial mortgages, the lender has a legal claim over the property
until the loan has been repaid in full.
The commercial mortgage market is different to lending in the
residential mortgage market, being based around complex pricing models
and the criteria of lending panels at each individual
Working within this environment on a daily basis is the typical
commercial mortgage broker
The length of a commercial mortgage loan period will tend to be a maximum
of 25 years and is often around the 15 year mark.
Borrowers should also be aware of the fees in the commercial mortgage
market, typically there will a lender fee of 1% and a more expensive
commercial valuation than would be applicable to a similarly valued
There are several different types of
commercial mortgage available.
The range caters for those wanting to buy an investment to portfolio,
through to potential small business owners who are seeking to buy a
business with property attached.
Working with our industry partners we offer years of experience in
finding the lenders and rates to get your project finance. If you need
finance for one of the following examples we will help:
Buying a Business with Property
Many businesses come with a building attached such as:
Hotels & Pubs
Bed & Breakfasts
Retail & Takeaway
Post Offices & Surgeries
We can help put the finance in place for your new business venture.
Buying Property for your Business
If you run an established business and you would like to buy property you
are renting or have seen property that would suit a company relocation
Warehouses & Factories
Our experience in providing finance will save you money and time by
offering you the commercial mortgage you need.
Investing in Commercial Property
Commercial property has historically provided significant returns on
investment and investing in commercial property in order to let out is
seen as more robust investment than many residential buy to let
opportunities. If you want to invest in: -
Renting to retail tenants
Renting to office tenants
We can help provide the investment capital for the project.
Buying land to Build and Develop
If you are a constructor or architect or if you are seeking a development
loan to finance to acquisition of a piece of undeveloped land it can be
hard to secure finance. For project such as:
Greenfield development loans
Brownfield development loans
Our track record of providing excellent finance packages for development
loans will help your project start.
Residential (buy to let) Portfolio Investment
Investing in a portfolio of residential property (buying to let
but on a larger scale) can deliver significant returns. We have extensive
experience in structuring finance packages to allow further additions to
What ever your
commercial mortgage requirement, a commercial
mortgage broker can help.