Commercial MortagagesWe have access to a range of products to suit all situations
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.
Leasehold Business Finance
Unique finance for catering, retail shops, restaurants, fast food outlets, night clubs, pubs any business in the hospitality, leisure & retail sector. Loans from £50,000 to £1,000,000
Buy to Let
No restrictions on portfolio size, location or value.
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.
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 assist start up businesses with a fully written business plan.
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).
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.
Bluecygnet Business Finance brings the commercial business expertise that any client will ever need under one roof. We know from experience that the majority of clients do not know what’s on offer in commercial finance as the majority have only checked with their bank or ran a quick search on the internet.
If you have an enquiry for commercial funding of any kind, want to ensure that you receive the best advice possible.
You now need to look no further.
To ensure that clients receive the best products and service available, we offer the widest range of commercial lenders, providing solutions across the commercial finance spectrum backed up with first class service.