Commercial Mortgages

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Customized Loans

Tailored financing options for purchasing, refinancing, or expanding commercial properties.

Competitive Rates

Offers competitive interest rates and flexible terms for cost-effective funding.

Business Growth

Enables business expansion and property investments, supporting overall growth.

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What is a
Commercial Mortgage?

A commercial mortgage is a loan specifically designed to help businesses purchase, refinance, or expanding commercial property. These properties can include office buildings, retail spaces, warehouses, and other types of real estate used for business purposes. Commercial mortgages typically offer customized loan terms, competitive interest rates, and flexible repayment options to meet the unique needs of businesses, facilitating long-term investments and supporting business growth.

People use commercial mortgages for several key reasons:

To buy commercial premises such as office buildings, shops, or warehouses for business use or investment.

To fund the expansion of existing business locations, allowing for growth and increased operational capacity.

To refinance current commercial property loans, often to obtain better interest rates, improve cash flow, or change repayment terms.

To invest in commercial property as a long-term asset, potentially generating rental income and capital growth.

To release equity from owned commercial properties, providing additional capital for business operations, new projects, or other investments.

Frequently Asked Questions

A commercial mortgage is a loan specifically designed for businesses to purchase, refinance, or expand commercial property such as offices, shops, or warehouses.

Any business, whether a limited company, partnership, or sole trader, can apply for a commercial mortgage if they need funding for commercial property purposes.

Commercial mortgage terms can vary widely but typically range from 5 to 25 years. The terms depend on the lender, the amount borrowed, and the specific needs of the borrower.

Fees can include arrangement fees, valuation fees, legal fees, and sometimes early repayment charges. It’s important to understand all the costs involved before proceeding with a commercial mortgage.

The amount you can borrow typically depends on the value of the property and the financial health of your business. Lenders usually offer loans up to 70-75% of the property’s value.

Interest rates for commercial mortgages can vary based on the lender, the term of the loan, and the risk profile of the borrower. They are often higher than residential mortgage rates but can be competitive.

The commercial property being purchased or refinanced is typically used as security for the loan. In some cases, additional security such as personal guarantees or other business assets may be required.

To apply for a commercial mortgage, you will need to provide detailed financial information about your business, the property, and your personal financial situation. It’s advisable to work with a mortgage broker to find the best terms and guide you through the application process.

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Interested in a
Commercial Mortgage?

Securing a commercial mortgage can be a pivotal step in growing and strengthening your business. Whether you’re looking to purchase, refinance, or expand your commercial property, understanding your options and the process can help you make informed decisions. Our expert advisors are here to guide you every step of the way, ensuring you find the best solution to meet your business needs. Contact us today to explore how a commercial mortgage can support your business ambitions and pave the way for future success.