Commercial Mortgages - Our Commercial Mortgages

Whether you are taking out a mortgage to buy or refurbish new premises, to generate cash flow or to fund new acquisitions, our mortgages will give you a repayment schedule which will help you to budget your monthly cash flow.

Our standard packages are for any amount between £50,000 and £2,000,000 taken out for a ten to thirty year term. With our standard package, the minimum property value is £75,000.

If your circumstances are different to these - for instance if your property is worth less or you would like to borrow a smaller amount - we can tailor make a package for you.

You can usually borrow up to 75% of the value of your commercial premises, although this can be stretched to 80% for a professional who can demonstrate an ability to make the monthly repayments.

The loan is on a repayment basis, so each monthly payment consists of an interest payment and a capital payment, so at the end of the mortgage term the whole amount is paid back. This means that you do not need to worry about the performance of an investment vehicle to cover your capital repayment.

This also means that the amount of interest that you pay each month decreases through the term of your mortgage as your mortgage balance goes down.

For extra peace of mind, you can take out insurance against your payments, which would ensure that the outstanding debt would be paid in the event of illness or even death.

More Commercial Mortgage Topics:

• Would It Work? - why a commercial mortgage would work for your business
• Use and Benefits - weigh up the pros and cons
• Who Can Get One? - who can take out a commercial mortgage?
• Bad Credit History - don't let credit history stop you
• Self Certification - make sure you have the right documents
• Property Types - property types that we allow
• Our Commercial Mortgages - how our mortgages work
• Interest Rates - understand interest rates with some examples
• Security - make sure you're secure
• Fees - understanding confusing legal fees
• Filling in an Application Form - don't worry they're easy - learn here

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