Understanding Commercial Mortgages
A commercial mortgage is a loan secured against a property that is used for business purposes in the UK. Unlike residential mortgages, business mortgages are typically taken out by companies looking to fund the purchase of warehouses, office space, retail stores, or other commercial properties. These financial solutions not only enable property acquisition but also empower businesses to expand their operations and increase their asset base. Common benefits include stable investment potential, property value appreciation, and interest rate security. Explore how we can facilitate your commercial mortgage needs with our tailored solutions.
- Quick and easy application process
- Loan disbursed within 24 hours
- No additional charges for early repayment
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What are the Benefits of a commercial mortgage?
Commercial mortgages offer robust advantages such as stable investment returns and the potential for property value appreciation. With interest rates typically ranging from 3% to 7% APR, these loans help hedge against market fluctuations. We provide personalised mortgage solutions, ensuring quick decision-making within 1 to 10 weeks and offering funds in alignment with your business’s unique financial capacity. Embrace the opportunity for growth with our expertly crafted financial support.
What are the types of commercial mortgages?
Owner-Occupier Commercial Mortgages
Owner-Occupier Commercial Mortgages are designed for business owners using 51% or more of the property. Loan amounts range from £100,000 to £5,000,000 over terms of 60 to 300 months.
Commercial Investment Mortgages
Designed for property investors, these mortgages cover between £200,000 and £10,000,000, with terms of 60 to 300 months.
Bridging Loans for Commercial Property
Bridging Loans offer short-term funding up to £20,000,000 with terms of 1 to 36 months, perfect for swift transactions.
What is a commercial Mortgage?
Application Processes and Timescales
Applying for a commercial mortgage involves a thorough financial evaluation of your business and the property. It typically involves comprehensive documentation and assessments to ensure eligibility. Our streamlined approach accelerates decision times, usually between 4 to 10 weeks, followed by fund availability, particularly quick in bridging solutions with funding within one week post-approval.
Regulatory Compliance in Commercial Mortgages
All UK commercial mortgage providers are regulated by the Financial Conduct Authority (FCA) and must comply with anti-money laundering regulations. As experts, we assure adherence to these stringent guidelines, safeguarding your investments through regulated mortgage solutions that meet legal and ethical standards, ensuring your business is always protected.
Borrowing Capacity and Rate Information
The borrowing range for commercial mortgages starts at £25,000 and can extend to £20,000,000, influenced by deposit size, business revenue, and property type. Typical rates vary from 3% to 7% APR, affected by your credit history and economic conditions. Additional fees include valuation and arrangement costs, generally 1%-2% of the loan amount. We offer competitive and transparent rate structures adapted to your specific needs.
