Commercial Loans

A Commercial Mortgage is a loan secured against a Commercial Property. We are able to arrange funding for the purchase, development, or refinance of all kinds of commercial property.

How much can you borrow?

In general terms most lenders will offer finance up to 85% of the property value (85% LTV). In some instances we may be able to offer products up to 100% LTV.

Rates

Different lenders have different products but 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 0.75% above BBR.

Credit History

We have products available for people with all types of credit history, including those with CCJs, 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 and business plans.

Repayment Types

Our minimum repayment term is 10 years with our 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).