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Commercial and Business Mortgages

A Commercial Mortgage is a loan secured against a Commercial Property which is either buildings or land. We are able to arrange funding for the purchase, development, or refinance of all kinds of commercial property. We have a range of flexible products to help owner-occupiers and or investors with acquisitions or re-finance.

How much can you borrow?
In general terms most lenders will offer finance up to 75% of the property value (75% LTV). In some instances we may be able to offer up to 100% LTV with additional security.

Purchase or Re-mortgage
Any commercial property or land purchase. Land Finance both first and second charges on any type of land Including land with agricultural restrictions.

Buy to Let
No restrictions on portfolio size, location or value.

Portfolio investment
No restrictions on size, number, property combination or value. Financing property that is owned by a Pension Scheme which is referred to as SIPP's or SASS can also be financed or used for capital raising.

Credit History
We have products available for people with all types of credit history, including those with CCJ's, mortgage arrears, and IVA and bankruptcy (providing you have been discharged).

We can also offer a self-certification of income facility if you do not have up to date accounts or are a start up business with a fully written plan.

Repayment Types
Minimum repayment terms can be 5 years but most start at 10 years with a maximum being 30 years. We can arrange your new mortgage on a Capital and Interest basis or we can offer an Interest Only repayment for 3 years followed by Capital and Interest repayments for the remainder of the term (subject to conditions).

Rates
Different lenders have different products attracting various 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.

Fast Short Term Finance

Short term finance or "Bridging Loans" are available for a whole range of finance requirements and can be on the basis of a 1st, 2nd or even 3rd charge, for any purpose.

Covering all areas of the UK, Northern Ireland, and Scotland, we are able to arrange competitive bridging facilities through our network of lenders. Whether it be licensed premises, office block, land or residential properties, our lenders will look at all types of security.

Loans can be arranged over a minimum of 1, 2 or 3 months or up to 3 years. Some arrangements can be setup with an annual review extending the term to suit your circumstances.

There is normally a setup fee, survey fee and solicitor’s fee to be considered. The interest is charged monthly with several options including rolling up or offsetting of the interest until repayment of the account.

Bridging Finance is commonly used for the following reasons:

• Purchasing property at auction
• Property refurbishment or conversion
• Chain-breaking mortgage
• Purchasing property where the surveyor recommends a retention
• To help homeowners who have been or are about to be repossessed
• To stop bankruptcy
• When funds are required within days rather than weeks

With our varied panel of Bridging Finance Lenders we can arrange competitive quotes for our clients and offer a wide range of products to suit all lending requirements.

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