Commercial Property Finance Consultancy
Over 30 years lending experience
No Broker Fees
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01923 676699
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Welcome to the award winning Commercial Mortgage section of the CPFC website. We were delighted to be awarded runner up in the prestigous MoneyFacts Commercial Mortgage Broker of the Year 2009.
We offer a wide variety of mortgages, on most types of property in the UK. This section highlights some of the terms available.
CPFC negotiates commercial mortgages with a large range of lenders including major banks, mutual building societies, niche providers and specialised commercial mortgage lenders. Commercial mortgage rates are rarely set in stone, unlike domestic and Buy to Let mortgages. Therefore each individual mortgage is priced to match the borrower's personal circumstances.
Arranging a Commercial mortgage can be a complex process. If you would like clear, independent impartial advice on the best commercial mortgage to suit your needs please telephone us for further information, use our call back facility or complete the enquiry form.
We do not charge any broker fees
To calculate your commercial mortgage payments, please use our online loan repayment calculator.
| PRODUCT | EARLY REPAYMENT CHARGE | LENDERS FEE | LTV | DESCRIPTION | ENQUIRY FORM |
| Bank Base Rate Tracker | None | 1-2% to £500,000, negotiable thereafter | Up to 75% | Bank Base + 2.5% upwards 20-25 year term Min Loan £25,000 |
| Property Refurbishment Loan | None | 1.75%-2% | Up to 75% | Bank Base + 3-4% 12 months Interest only Min Loan £75,000 |
| Professional Practice | None | 1-2% to £500,000, negotiable thereafter | Up to 80% | Bank Base + 2.5% upwards 20-25 year term Min Loan £25,000 |
| Fixed Rate | Varies | 1-2% to £500,000, negotiable thereafter | Up to 75% | Swap Rate+ 2.5% upwards 20-25 year term Min Loan £25,000 |
We can provide commercial mortgages for most property types, including: Prime office/retail Secondary office/retail Industrial Warehouses/retail park Multi occupancy serviced offices Mixed commercial & residential Hotels Public houses Guest houses Restaurants Nursing homes Day nursery Doctors/Dentists/Vets Post office Leisure Agricultural Property development & refurbishment
Typical commercial mortgages and remortgages arranged by us for clients range from £50,000 to £15M. All commercial finance is tailored to meet the borrower's needs. Commercial mortgage structures available to clients can include: Variable and fixed rates Interest only mortgage periods Partial repayment Terms of up to 30 years Full status or self cert
Clients can use the following borrowing vehicles Personal Partnership Limited company Limited Liability Partnership (LLP) SIPP and SASS pension Offshore company
Typically, we can arrange commercial mortgages up to 75% loan to property value dependent on the type of property.
There is not usually a requirement to switch day-to-day banking, and in most cases we believe it is beneficial to keep these financing elements separate. However, for owner occupier commercial mortgages, lenders will sometimes insist on the banking.
For Commercial property investors, it is important to consider the potential of a remortgage. This will allow owners/investors to increase their margins by reducing their mortgage costs, and could allow capital to be released from the property for further investment.
We are able to deliver rapid commercial mortgage funding to clients and to meet tight purchase deadlines eg auction purchases. Where the funds are needed more urgently, we may be able to assist using Bridging loan finance.
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