About This Service
Whether you're purchasing premises for your own business to operate from or acquiring a commercial property as an investment, commercial mortgages require specialist knowledge. Lenders assess these applications differently from residential mortgages, focusing heavily on business performance, lease terms, and the specific sector. Our commercial finance experts have strong relationships with high street banks and specialist commercial lenders, ensuring we can structure the right funding package for your business needs.
Key Benefits
Access funding for business expansion; bespoke loan structures tailored to your business cash flow; options for interest-only or capital repayment; expert negotiation with lenders on your behalf.
Eligibility Criteria
Lenders will scrutinize your business accounts (usually requiring 2-3 years of trading history), business plans, and cash flow forecasts. For investment properties, the strength of the tenant and the lease terms are critical. A larger deposit (typically 25-40%) is usually required compared to residential mortgages.