Commercial Mortgages

Business or Commercial mortgages are designed for individuals and companies purchasing or remortgaging a property to be used as a business premises. Business mortgages are also available on mixed use properties, i.e. part commercial, part residential such as shops with flats above.

As independent, whole of market brokers, we negotiate business mortgages with a range of lenders including major banks, regional and local building societies, specialist commercial lenders and challenger banks.

Rates for business mortgages are dependent on your industry sector and by your business’ performance and your own individual track record.

The value of a broker within this field cannot be overstated, due to the bespoke nature of every single business mortgage transaction. Terms for business mortgages are not set in stone and our role in the transaction is to negotiate the best mortgage rate and terms. Our wealth of experience and market knowledge means we understand what is likely to be achieved given a specific set of circumstances.

Commercial mortgages are tailored to meet the borrower’s needs. Where suitable, elements of the commercial loan structures available to clients can include:

  • Interest-only mortgages
  • Longer term repayment mortgages – up to 25 years

  • Variable mortgages linked to Bank Rate or LIBOR
  • Fixed rate options

Our solutions for business mortgages cover all types of commercial property. We understand the individual financing dynamics and industry sectors. As a yardstick we can arrange business funding up to 80% loan to property value.

Your property may be repossessed if you do not keep up payments on your mortgage.