Commercial Mortgage

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.