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Development and Refurbishment – 90% Loan to all Costs available – Terms available for Professional Developers & First-time Builders. 100% of costs available with funder profit share.
Commercial Mortgages – Up to 81.5% LTV (100% plus goodwill in some professional sectors). Rates start at 1.85% over base rate. Terms up to 30 years with Interest-Only options
Bridging and Short-term Finance – from 0.4% pcm – Available for Auction Purchases

Commercial Mortgages for Car Garages

Commercial Mortgages for Car Garages, Showrooms, and MOT Stations (including Petrol Stations).

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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