Commercial Mortgages are designed specifically for Businesses, Business Owners and Investors
Lenders have designed commercial mortgages specifically to support the business environment. If a business is currently renting business premises, be it a shop, warehouse or office – it can be more financially beneficial to buy their own commercial property. Then there are the investors that purchase commercial property for the business community. Of course there are the developers that have to exit their development loans with a term loan if they decide to retain the property.
The Commercial Mortgage market
Commercial mortgages have become competitive, where high street banks once dominated we now have alternative lenders, specialist lenders, niche lenders, challenger banks all jockeying for this business. Because of competition between the suppliers, our clients benefit from our experience and relationships with lenders. We know which are the best lenders to approach, based on your industry and your requirements.
Why buy your own Commercial Premises
When businesses work from rented accommodation, there comes a point when it may be advantageous to purchase your own premises. This decision may be driven by a requirement for more office or storage space due to expanding business, or influenced by your landlord seeking to raise your rental agreement. A restrictive lease may even be holding you back from driving the business forward.
If you relate to these situations, then it may be worth considering whether the time is right to consider buying rather than continuing to rent. After all, each month’s rent is money you will never see again, whereas buying represents an investment in a business asset which over time has the potential to increase in value should property prices rise.
However, the UK commercial property market is rapidly changing and property values can fluctuate. Purchasing a commercial property is a significant financial investment but can be a sound strategy to drive a business’s growth.
- Development Loans
- Bridging Loans
- Portfolio Mortgages
- Factoring & Invoice Discounting
- Asset Finance
- Revolving Credit
MOST BUY TO LET, COMMERCIAL MORTGAGES AND COMMERCIAL FINANCE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
PLEASE MAKE BORROWING DECISIONS CAREFULLY, YOUR HOME OR ANY OTHER PROPERTY OR ASSET OFFERED AS SECURITY FOR A LOAN OR MORTGAGE MAY BE AT RISK OF REPOSSESSION IF YOU CANNOT KEEP UP THE AGREED PAYMENTS