Professional Mortgage Advice

Commercial Mortgages

Commercial mortgagesĀ are arranged for the purpose of purchasing or re-mortgaging property that is primarily for commercial or business use and can be arranged for as a form of investment (commercial buy to let) or for a business to trade from.

There are two types of commercial mortgage: an owner occupier mortgage for trading premises and a commercial investment mortgage for those looking to invest in commercial property. We can help you look at both.

We aim to find the most suitable commercial mortgages for both investors and business owner-occupiers, based on your needs, circumstances and preferences. So, talk to us today and let us help you.

Owner Occupied Commercial Mortgage

An Owner Occupied business mortgage is where an applicant is looking to purchase a property to run their business from.

Owner-Occupied Commercial Mortgages are looked at more favorably than investment mortgages because the lenders feel there is less risk with this type of mortgage.

An advantage of owner occupied commercial mortgages is that the rates that lenders charge are often considerably lower and the terms of the commercial mortgages can be longer if required. Interest rates can be fixed or variable.

Benefits of owner occupied commercial mortgages

An owner occupied commercial mortgage will put you in control, putting an end to unwanted charges or price hikes form a landlord; especially if you have a fixed rate mortgage.

The general trend of property values is to go up, of course there is no guarantee.

Interest repayments on an owner-occupied commercial mortgage are tax deductible.

Whether you're considering a commercial mortgage as a business or an investor, we can make the application for you and ensure that your loan application is presented in the format the lender prefers.

Development Loans

Get your project off the ground with a development loan.

We aim to help property developers get the right finance; providing funding solutions for new build projects, redevelopments, major renovation works or just general refurbishments. Let us help you with your residential development.

There are no set rates for property development finance. That's where we can help. We have access to a comprehensive range of mortgages from across the market and work with property development lenders and other master brokers to coordinate the whole mortgage process to find the most suitable mortgage for your circumstances.

The lenders assess each application individually and price according to the strength of the development proposition and the borrower. With our experience in this field, we understand what information needs to be included within an application and how best to present it for submission.

Development funding without full planning consent can be very difficult to secure, so unless you are highly experienced and have completed a number of development projects. Before seeking finance, it is vital to finalise planning consents and have all relevant documentation available to show your lender.

A mortgage is a loan secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The Financial Conduct Authority does not regulate commercial mortgages.