Choosing the right option for your commercial funding

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Taking out a commercial mortgage can be a sensible way of maximising your business finance. Property can be one of the most significant outgoings for many businesses so it is important to manage that investment wisely.

If you are looking for a mortgage to purchase the premises from which your business operates, then we can help you obtain a commercial mortgage. If you already own your business premises and are looking to refinance we may be able to help you obtain a remortgage. The interest rates on these types of loan can actually be quite competitive, subject to the usual lending fees and criteria.

"As a professional landlord, administrative support and guidance are what I needed and what I got."

Mr A. Garner, Professional Landlord, London

Investing in a commercial property and renting this out to other businesses can be profitable if managed correctly and a good source of portfolio diversification. Some property investors may also need to access a commercial mortgage for financing of redevelopment projects, properties with a mixed commercial and residential use, Houses of Multiple Occupancy, or a converted property where lending is available on the freehold title.

In most cases rates and fees are determined on an individual basis dependent on the strength of your circumstances. Lenders will look at your company income, the purpose of borrowing and credit history to offer terms.

A human being individually assesses the majority of commercial mortgages which is why it is crucial to have the right contacts. We have connections with individuals accessing long term contacts in banks to access commercially viable rates. This can lead to competitive Fees and terms offered on an interest only or repayment basis.

There are several recent entrants into the marketplace and also several with a renewed appetite to lend. It is all about knowing who to approach and when. There are a few new lenders also with private equity funding looking to access the commercial market, so it's not as glum as you can be led to believe.

Because of our long standing connections in the commercial finance industry we have access to one of the few brokers who can genuinely offer a 'Whole of Market' proposition for commercial finance. This also includes access to lenders for a commercial Property Purchase via your Pension fund.

If you would like to enquire about a Commercial Mortgage please Contact Us for a free initial consultation.


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About Us

With 14 years financial industry experience, James Carter set up Company Wills as he saw a real need to protect busy...