Commercial Mortgages

Specialist Small Business Finance

Fast Commercial Mortgage decisions for the purchase, development, or refinance of all kinds of commercial property such as Garages, Guesthouses, Restaurants, B&B's, Shops, Workshops, Offices, Warehouses etc We also have special lenders who will provide mortgage finance in certain areas such as farms, equestrian centres and other rural businesses.

Apply for a Commercial Mortgage Now!

Purchase or refinance for any reason
Up to 85% of property value (100% with additional security)
No need for accounts – self declare your income
Imperfect credit history OK
No lengthy interviews, business plan or bank visits required
Release cash for business expansion, cash injection, purchase additional property
Fast decisions!
Market leading rates from lenders not available on the high street
Commercial Mortgages from £50k to £2m
10 - 30 year terms and interest only available

How much can you borrow?

In general terms lenders will offer finance up to 75% of the property value (75% LTV). If you have additional security then we are often able to look at up to 100% financing.

Rates

In general rates are normally linked to the Bank of England Base Rate or LIBOR (London Interbank Offered Rate).The rate applicable is closely aligned to the loan to value (LTV) of the property you are financing. Rates start as low as 2.5% above BBR.

Credit History

We have commercial mortgages available for people with all types of credit history, from a clean record to those with CCJs, mortgage arrears, and IVA and bankruptcy (providing you have been discharged).

It is also possible to self certify income if you do not have up to date accounts and business plans.

Repayment Types

Interest Only options are available - sometimes for an initial period - depending on the loan to value and lender. Otherwise the loan is set up on a capital and interest repayment basis to ensure repayment of the amount borrowed.

Leasehold Businesses

For leasehold businesses there is no bricks and mortar security and different types of specialist finance apply. See our Leasehold Finance page.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED ON IT.
Licensed Credit Broker Consumer Credit License Number 590441
Associate Member NACFB
Interbay Natwest Barclays RBS Bank of Scotland Commercial First Salt Norwich& Peterborough