Commercial Mortgages | Commercial Remortgages

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Purchase buildings
for example-

A shop or shops
Office block
Industrial unit(s)
Development land

Purchase a business
for example-

Retail
Manufacturing
Leisure & fitness
Nursing home

Commercial remortgage
for example-

To re-finance and/or restructure
To finance aquisitions
To expand existing premises
To achieve a more competitive interest rate

Commercial Mortgages -
Key Facts

Do commercial mortgage lenders offer initial low interest rates?
Yes, many will provide an initial low interest rate for 2 - 5 years.
Can I get a fixed rate?
Yes, some commercial lenders will offer 2 - 5 years fixed rate.
Can I remortgage onto a commercial mortgage from a Bridging loan?
Yes, there are a few lenders, and some will allow back to back scenarios.
What if I have adverse credit?
We have lenders who will accept adverse cases, but you may need a larger deposit.
How long is a commercial mortgage?
Most lenders provide 15 year mortgages to purchase a business. While 20 - 25 years is more popular when purchasing commercial property.
What are semi-commercial loans?
They are typically used to buy a shop with living accommodation.
How much deposit do I need to buy a shop?
It will depend on the nature of the shop, how long it has been trading and the profitability. You would usually expect to have a 25% deposit.
Can I get a 100% commercial loan?
Lenders are likely to offer 75% - 80% commercial mortgages against the property you propose to buy. However, if you have equity in your house or another property some lenders will take a second charge against that property, which could increase your level of borrowing to 100%.

Your home may be repossessed if you do not keep up repayments on
your mortgage.

Consumer Credit Licence No: 562186
Data Protection No: PZ9286553

About You
Title
First Name
Last Name
Date of Birth
Contact Details
House Number/name
Ist Line of Address
Town
City/County
Postcode
Daytime telephone
Evening telephone
Email address
Status
Is this purchase in a limited company name?		Yes No
If yes, give company name?
Company Registration Number?
If this purchase is going to be in your own name, are you		Employed Self Employed
What is your annual income?
Will you be self certifying your income?	Yes No
If self certifying, do you have an accountant?	Yes No
The Property
What are you purchasing?
What is the value?
How much money do you require?
Have you
When do you expect to complete?
Credit Status
Within the last 3 years have you had any of the following -
CCJ	Yes No
Late payments	Yes No
Defaults	Yes No
Bankrupcy	Yes No
IVA	Yes No
If you have answered yes to any of the above, please provide further details below

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Commercial Buildings Mortgage Enquiry