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Commercial Mortgages

Specialist advice for commercial mortgages

Looking to buy or remortgage a commercial property? Fairview Financial will provide tailored mortgage advice to help you and your business succeed. 

Key things to know about commercial mortgages

If you’re looking to grow your business, or the cost of renting for your commercial premises has become too expensive, you may be considering investing in a commercial property. As you start exploring the range of commercial mortgage options on offer as a potential source of finance, you’ll quickly realise that there’s a lot to be aware of. This is where we come in.

There are two types of commercial mortgages:

  • Owner-occupier mortgages – for buying a property that will be used as trading premises for your business.
  • Commercial investment mortgages - when you are looking to invest in commercial property to let it out to a third party for rental income.

When do you need a commercial mortgage?

  • You may consider investing in a property either because you are planning to expand your business or you want to cut the cost of renting for your commercial premises.
  • You may want to raise capital for business purposes including expanding your portfolio, modernisation, investing in new assets or reorganising your finances by consolidating more expensive loans.
  • Commercial mortgages can also assist when the mainstream Buy-to-Let lenders are not able to help. If you are an investor or a developer who has struggled to go down the traditional mortgage route due to, for instance, unusual property types, lease issues or ownership rights, you may benefit from the various lending options commercial mortgages can offer.

There are numerous advantages of owning your own business premises:

  • The interest payments on your commercial mortgage are tax deductible
  • If the property increases in value, your business capital could also see an increase
  • You may be able to sublet any spare space and generate additional revenue
  • Commercial mortgages sometimes offer either tracker or fixed-rate options, meaning that you can be financially better off whilst benefiting from the increased stability that property ownership provides.

Why choose us?

Whole of market broker

We will research thousands of deals and over 90 lenders to find you the right mortgage

Independent mortgage advice

Our advice is tailored to your circumstances and requirements, always serving your best interests

5 star reviews

We provide honest and unbiased advice and our clients' feedback is a true testimony of that

Local broker

Your dedicated broker will be your point of contact through the entire mortgage process

Who we can help? 

  • Business owners who want to buy a property and use it as trading premises for their own business.
  • Property investors, whether looking to purchase commercial properties to let out to third party business or those investing in residential property such as a multiunit freehold block to let to tenants.
  • Property developers looking to finance new build, conversion, or refurbishment developments.
  • Entrepreneurs looking for financial support to start a business.

We can arrange commercial lending on a wide range of properties, such as:

  • Warehouses, industrial units and storage facilities
  • Office buildings
  • Retail units
  • Dentist & Doctor’s Surgeries
  • Veterinary Practices
  • Blocks of flats
  • Complex HMOs (Houses in Multiple Occupation)
  • Hotels and Guest Houses
  • Funeral Homes
  • Agricultural land

Whether you’re ready to expand your business and require additional space or are looking to purchase your first commercial premises, let us do all the hard work for you and provide the tailored financial solutions you need for your business to succeed.

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Services tailored to kick-start your business

With a very competitive financial market comprising of many mainstream lenders as well as specialist providers, business owners have more options than ever before. Alternative commercial finance we can help with is:

  • Asset Finance. A fast-growing finance option for businesses of all sizes, asset finance can offer access to the equipment, vehicles, or technology needed for your business to grow.
  • Business Loans. A Business Loan is a common form of finance for SMEs and one of the first options for businesses looking to raise finance.
  • Commercial Bridging. These are bridging loans secured against commercial property and used to secure funds quickly to purchase, or release funds from a property.
  • Buy-to-Let Investment. Buy-to-let properties have become a popular investment for many looking to find a lucrative asset, providing high returns as well as offering a safe investment.

The prospect of commercial finance can be daunting but getting a mortgage for your business premises can be easier than you think if you are guided by our brokers.

Ready to talk commercial finance?

Looking to buy or remortgage a commercial property? 

Speak to an adviser now or let us call you back.

What Our Customers Say

Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        
Our standard fee for residential and Buy-to-Let mortgages is £295 and this is paid when the mortgage is offered. 
We do not charge a fee to First-Time Buyers. We may however charge a fee of up to £495 for Shared Ownership mortgages and Help-to-Buy mortgages, due to the complexity of the work involved. 
Our fee for Equity Release is £795 and this is paid when the mortgage completes. 
For commercial mortgages our standard fee is between £495 and £995, depending on the level of complexity, and this is paid when the mortgage is offered.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

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