If you need commercial finance, we are the people for you.

Commercial business mortgages  is available from a range of  business needs. The mortgage will be secured against the commercial asset and we can undertake a thorough search of the commercial business mortgage market to get the best mortgage deal for you.

We always start on the High Street as the obvious point, but often we find it is not the actual mortgage lender but the relationship we have with the commercial business managers at each lender which is important in ensuring the success with our commercial mortgage deals.

The High Street may not be the appropriate place if your deal is large or complex or the case has other challenges such as the requirement for funds quickly or you have a need for a self cert commercial mortgage. In these circumstances, we may use some of our private bank connections or you may find that we are recommending a foreign bank or offshore lender as the most appropriate financier for your project.

The Financial Services Authority does not regulate some forms of buy to let, commercial mortgages, secured loans, bridging finance, trusts and conveyancing.

How Much Are Commercial Business Mortgages?

The pricing of commercial business mortgages is significantly more complicated than the residential market, and there are a number of different criteria used by lenders for setting the interest rate you’ll pay.

Unlike the residential market, there is an ability to, at times, negotiate and that’s where we can add our greatest value to your transaction. The business mortgage rate will depend on numerous factors, not just current mortgage interest rates, but also the track record of the mortgage borrower, the credit history of the commercial mortgage borrower (and that of any commercial tenant, if you are letting the business property), whether you are full status or require a self cert commercial mortgage, the past and projected performance of your business, and often it is dependant on any additional security you can offer.

The use of a personal guarantee or otherwise can assist us in negotiating the actual commercial business mortgage rate you will be offered and more so for those requiring a self cert commercial mortgage, when they are usually compulsory.

Commercial business loans are commercial transactions and they are all determined differently depending on the circumstances of the commercial business. The actual mortgage you pay is therefore negotiable and we will assist you through this process.