X
GO

Commercial Mortgages

A commercial mortgage is typically a loan secured against a property used for commercial purposes, such as an office, hotel or warehouse. This can be in the form of a purchase (eg. buying a warehouse) or refinance (eg. remortgaging to raise capital). Find out here how we can help you with commercial mortgages.

KEY POINTS TO CONSIDER 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.

 

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.

 

CONTACT US

 
 
 
 
 
 
 

 

MORTGAGE ADVICE YOU CAN TRUST

 

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:

  • At Fairview Financial we work with a range of leading commercial mortgage lenders.
  • We deal directly with the lenders not via a third party, helping to reduce your overall costs and ensuring we have full control over the progress of any applications submitted.
  • With our extensive experience in the mortgage industry we will be able to pair you with the most suitable lender and find you a cost-effective deal for your business, based on your specific requirements.
  • We will guide and support you through the entire process and liaise with all the parties involved on your behalf: the lender, the estate agents, the solicitors and valuers, whilst always keeping you updated.
  • At Fairview Financial we are committed to honesty, clarity and integrity. Our success depends on your satisfaction and we are proud of the incredible feedback we receive from our clients and our exemplary reputation in the financial sector.
 

                                                                                                                                                     

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.

 

READY TO TALK COMMERCIAL FINANACE?


TESTIMONIALS

WE will search the whole of market ACROSS thousands of mortgage deals to find you the right MORTGAGE.null

 

CONTACT US