Commercial Mortgage

Loans that can be used to fund the purchase of business premises, or to raise cash against your current premises.

What is a Commercial Mortgage?

A commercial mortgage is a loan that is used to finance the purchase or refinancing of a commercial property, such as an office building, retail space, industrial property, or multi-unit residential complex.

All of our mortgage deals are designed around our clients’ needs and cover the entire range of mortgage options including:

– Repayment and Interest-only payment types
– Short and long-term repayment programmes
– Fixed and variable rates
– Arrangement fees added to the loan
– Up to 80% funding available on an individual property and up to 100% funding with additional security provided
– Short term VAT loans available to avoid you having to fund the VAT on a property purchase from your business cash flow
– Government funding schemes and incentives

Unlike residential mortgages, commercial mortgages are tailored for businesses or investment purposes rather than personal use. When clients already own property for their business or investment purposes and they need to raise funds, we can advise on re-mortgage options, releasing funds quickly and efficiently. This cash can be used for multiple things including purchasing additional business premises, expanding your business, debt consolidation, cash flow and property development.

Longer Repayment Terms

Ranging from 5 to 25 years, this allows borrowers to have more manageable monthly payments and provides flexibility in planning their cash flow.

Tax benefits

Interest paid on commercial mortgage loans is tax-deductible, which can help in reducing overall tax liabilities for businesses.

Higher loan amounts

Allow businesses to borrow larger amounts compared to other loans, making it possible to fund substantial property purchases / expansions.

Business expansion

Enables businesses to expand their operations or invest in new opportunities. which can be leveraged in the future for other business needs or reinvestment.

Property appreciation

Commercial properties have the potential to appreciate over time, allowing businesses to benefit from potential value appreciation.

Reduce rent to own

A commercial mortgage payment is typically cheaper than renting. Not only would you build equity, you could reduce your monthly outgoings in the process.