Development and Refurbishment – 90% Loan to all Costs available – Terms available for Professional Developers & First-time Builders
Commercial Mortgages – Up to 82% LTV (100% in specific cases) Rates starting at 1.90% + BR Terms up to 30 years with Interest Only Options
Bridging and Short-term Finance – Short-term from 0.42% pcm (min 24 months) – Bridging Rates available from 0.43% pcm – Available for Auction Purchases

Commercial Mortgages

Commercial Mortgages for businesses seeking to purchase or refinance their own trading premises

Whether buying new property or refinancing outstanding debt, we can help clients at every step. Our bespoke service ensures we fully understand both the business and the funding requirements in detail, delivering not just any deal but the right deal.

We’ll outline the very best terms available from the whole market, then manage the application process from enquiry to full credit sanction and through to completion.

Commercial mortgages are available to all applicant types; individuals, partnerships, limited companies, trusts, pension schemes, complicated and layered company structures, including situations where the property is owned by or to be purchased in the name of the directors and rented to their business.

Funding is available up to 82% of property value for many property types, and business goodwill can also be funded for certain sectors. Interest-only and part-repayment options are available with loan terms up to 30 years.

Professional practices can be financed to 100% of property value plus goodwill funding.

The most competitive terms are available for established businesses with strong trading accounts, however we can also arrange finance for start-up or newly formed businesses where a robust plan is in place.

Including property with living accommodation, multi-unit property, or an element of property investment, there are terms available to assist with all enquiries.

Funding options are available up at 82% Loan to Property Value. Additional debt terms also available through other avenues where this is insufficient to meet the clients’ requirements.

Terms can be structured up to 30 years, however we find most clients prefer to utilise 5 years to 25 years as these can often include lower interest rates.

There are also additional options available where part of the property is let to a third party tenant, whether that be residential income via an AST or other commercial tenants, this can sometimes assist clients in obtaining the terms they require.

Recent cases have included; convenience stores, clothing or fashion units, carpet and home furnishing and businesses which frequently handle cash transactions such as hairdressers.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience in the relevant sector and also an understanding of the business itself

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

Terms are available to support transactions of all shapes and sizes, from businesses buying their first premises to multimillion pound portfolios for large established companies.

Funding options are available up at 82% Loan to Property Value. Additional debt terms also available through other avenues where this is insufficient to meet the requirement, whether that be unsecured or funding against additional assets including goodwill.

Terms can be structured up to 30 years, however we find most clients prefer to utilise 5 years to 25 years as these can often include lower interest rates. Recent Credit Sanction achieved for 80% Loan to Property Value, interest rate of 1.95% plus Base Rate.

Many businesses who currently rent their office space approach us to investigate terms available to either buy their current premises or look at alternative locations. Often they are surprised to find we are able to arrange a larger facility or on lower terms than they had expected.

We are also able to take into consideration where part of the property is let to another third party or multiple parties, or where the asset in question incorporates living accommodation.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience in the relevant sector and also an understanding of the business itself

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

Whether used for manufacturing, production, storage or distribution, terms are available typically to 82% of the property value, whether this be for a single property, business park or site, or a larger portfolio of properties held within a single business or group of companies.

Terms can be structured up to 30 years, however we find most clients prefer to utilise 5 years to 25 years as these can often include lower interest rates.

Additional debt terms also available through other avenues where this is insufficient to meet the requirement, whether that be unsecured or funding against additional assets held within the business.

Many businesses who currently rent their premises contact us to investigate terms available to either buy their current unit(s) or look at alternative locations. Often they are surprised to find we are able to arrange a larger facility or on lower terms than they had expected.

Many larger industrial units are split into smaller premises, or multiple plots included within a single title, we are able to take into consideration where part of the property is let to another third party or multiple parties, sometimes allowing the business to borrow more than they had thought, through a single facility.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience in the relevant sector and also an understanding of the business itself

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

Funding terms are available for all types of hotel and holiday accommodation and businesses of both an established and start-up basis.

Many clients looking to open a new Bed & Breakfast are able to access terms they didn’t think would be available to them, including where buying an established business or a genuine start-up scenario.

Maximum finance options available up to 75% of the asset value, whether this be for a single property, or multiple sites, including multiple locations within the same business or complicated group structures.

Terms can be structured up to 30 years, with multiple repayment and interest only options available.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience in the relevant sector and also an understanding of the business itself

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

Including property with living accommodation, multi-unit property, or an element of property investment, there are terms available to assist with all enquiries.

Funding options are available up at 75% Loan to Property Value. Additional debt terms also available through other avenues where this is insufficient to meet the requirement.

Terms can be structured up to 30 years, however we find most clients prefer to utilise 5 years to 25 years as these can often include lower interest rates.

There are also additional options available where part of the property is let to a third party tenant, including mixed use asset types, whether that be residential income via an AST or other commercial tenants, this can sometimes assist clients in obtaining an increased debt quantum over what would otherwise be achievable.

Recent cases have included; established and start up restaurants, fish & chip shops and other businesses which frequently handle cash transactions and cafes with living accommodation above.
Refinance of existing debt held against Public Houses where a strategy change has been implemented to consolidate income from both wet and dry sources are also placed frequently.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience in the relevant sector and also an understanding of the business itself

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

Terms available up to 100% of property value plus we are able to arrange higher leverage up to 80% of goodwill, with terms available for both Freehold and Leasehold Practices.

Financial options in this sector can often allow clients to borrow at higher gearing levels, with options available to assist with purchase of the practices themselves and not just the property from which they operate.

Previous terms arranged include 100% LTV with an interest rate of 1.70% plus base rate.

Both Private and NHS linked practices can be funded.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value and any indication of going concern value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience or summary of their CV

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

This specialist sector allows for leverage against going concern value and requires greater level of analysis as part of any thorough appraisal.

Terms are available for experienced operators with a proven track record, with latest CQC reports forming part of the broker appraisal process.

Terms are available up to 70% against Going Concern Valuation, Specialist Care operators up to 90% of Property Value (assumed alternative use valuation), Supported Living homes to 70% LTV (alternative use valuation). EBITDA multiples are often used here, with terms available up to 5.5x

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value and any indication of going concern value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience or summary of their CV
  • CQC Reports for the last three years (these can be provided at a later stage)

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

Terms available up to 100% of Operating or Business Valuation, additional business debt can be arranged through other avenues.

Financial options in this sector can often allow clients to borrow at higher gearing levels, with options available to assist with purchase of the pharmacies themselves and not just the property from which they operate.

Terms are available to support multi-site companies or larger groups both on a granular and macro perspective.

Particular focus on income streams and positioning against local NHS services and Private facilities also forms part of the underwriting process.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value and any indication of going concern value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience or summary of their CV

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

Terms are available to support transactions of all shapes and sizes, catering for the myriad of business and property types which make up this sector, including Child Nurseries, Language Classes and established Schools and Colleges.

Funding options are available up at 82% Loan to Property Value for majority of business and property types, subject to both affordability and quality criteria.

Terms can be structured up to 30 years, however we find most clients prefer to utilise 5 years to 25 years as these can often include lower interest rates.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience in the relevant sector and also an understanding of the business itself.
  • Where appropriate, copies of latest Ofsted reports

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

The varied and specific nature of assets and property within this sector mean that every deal must be fully assessed on its own merits, with bespoke terms sourced taking into consideration any restrictions on the title, nature of build or construction and also the specific business operating from the premises or land.

Terms are available up to 82% Loan to Property Value in many cases, with additional debt options available where further borrowing is required, whether secured against the business or assets held within the business. All client requirements will be fully considered at the outset as part of a holistic appraisal of the genuine requirements against the financial solutions available to meet those requirements.

All types of property and businesses can be considered, including property with living accommodation, multi-unit property where the assets are of a different type or build, multifaceted businesses operating from the same site, or an element of property investment where some of the income is derived from third party tenants, there are terms available to assist with all enquiries.

Recent cases have included; refinancing of wedding venues where the owner lives on site during the week, residential property with adjacent storage yards, swimming schools, property with fishing lakes, and many other lifestyle businesses in addition to land with agricultural ties.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience in the relevant sector and an understanding of the business itself
  • Highlighting any title restrictions the client may be aware of

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

Terms are available for Garages and MOT units typically to 82% of the property value, whether this be for a single property, multiple sites or business park, or a larger portfolio of properties held within a single business or group of companies.

Many businesses who currently rent their premises contact us to investigate terms available to either buy their current unit(s) or look at alternative locations. Often they are surprised to find we are able to arrange a larger facility or on lower terms than they had expected.

Both Showrooms and Petrol Stations are also fundable but are subject to different criteria range than that indicated above, the terms specific to the individual site and business operating from that site, with particular focus on possible contamination of Petrol Station sites.

Additional debt terms also available through other avenues, particularly asset based finance against stock held where relevant to that business.

Where the business in question only operates from part of the site, we are able to take into consideration the element of property let to another third party or multiple parties, in addition to that of the principle business.

Recent cases have included the launch of a new business through the amalgamation of two established businesses buying new premises, refinance of debt held against multiple MOT centres and also purchase of new premises for a family run car repair centre.

What’s required for an assessment? Whilst we can often quote on the first call or in response to the initial email with outline terms available, in order to allow a member of the team to fully appraise an enquiry, it is very useful to have the following information available:

  • Latest accounts
  • Expected Property Value
  • Required Loan amount
  • Proposed use of funds (i.e. purchase, remortgage)
  • Indication of client experience in the relevant sector and also an understanding of the business itself

Whilst more information will be needed in due course, the information above will allow an initial appraisal and an indication of financial terms to be outlined.

Please note this is not an exhaustive list, most property types can be funded. It may also be possible to arrange commercial mortgages for applicants with previous credit problems.

To find out how we can help, please enquire here or give us a call.

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    ADDRESS

    63739 street lorem ipsum City, Country

    PHONE

    +12 (0) 345 678 9

    EMAIL

    info@company.com