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Commercial mortgages are probably the more efficient way to finance the purchase of buildings, land for your business, raise working capital, expand your business or buy the freehold of your existing business. It provides the most flexible and affordable financial solution for self employed traders, partnerships and entrepreneurs in order to help you raise the vital capital necessary to help your business expand and grow.
 
Commercial mortgages are specialised due to the fact that the lender has a legal claim over the property until the loan has been repaid in full and are similar to a residential mortgage in that they are both secured on a property as a first charge.
 
Commercial mortgages can be secured on a wide range of properties; these include shops, guest houses, farms, industrial buildings, pubs etc, with the normal length of a commercial mortgage being 5 to 30 years. They can be repaid on a capital and interest basis or on an interest only scheme to suit your businesses budgets.
 
The usual maximum loan to value (LTV) you can borrow is 85%. This can be increased to above the value if additional security is being approved, such as other commercial properties or the applicants own home.
 
So if you’re looking to for any of the following:

- Purchase a new business or a new business property
- Raise funds for vital refurbishment, machinery, stock or the capital to expand your business
- Restructure your finances and repay any business or short term debts you may have accrued in the past
- Or remortgage your commercial property to raise cash for any other purpose.
 
Whatever your requirements we are here to help you secure the best possible mortgage offer at the lowest possible rate. Even if you have been turned down elsewhere you should contact us for simple, sensible and honest advice.