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About Commercial.

A commercial mortgage is any loan secured on property which is not your residence. Every kind of premises is different, so each loan has to be assessed individually and priced according

When to use a commercial mortgages?

Business loans up to £25,000 are unsecured, but for larger amounts security is needed. Because of the costs of taking security on commercial building it is considered uneconomic to borrow under £50,000 this is why some lenders have a minimum loan amount of £75,000 or more.

How much can I borrow?

Generally you can find a 70-75% mortgage.

What security can be offered?

Lenders take the property you are buying as the security for the loan. They will also ask for a deposit for the balance, typically 70%. If you don't have the deposit you can offer the lender additional security.

How to find the best deal

Because of the complexity we have teamed up with specialist commercial mortgage brokers, B2B Commercial Mortgages, who offer an online service and who charge no Broker fees. B2B are NACFB members who you can rely upon to find you the best deal, since they cover the entire market.

In general, how long are commercial mortgages for?

Commercial mortgages are typically from 3 to 25 years. A bridging loan or property development finance is also available, which you can have up to 24 months.

I have a leasehold property, can I get a mortgage on it?

Yes, but only if the lease remaining is more than 70 years, otherwise you will need additional security.

Why can't I find an actual rate?

Rates charged for commercial mortgages are not pre-determined. In every case, when an application is made the lender looks at it carefully to assess the risk. A large amount information is required, therefore, the lender will vary the rate offered. Larger loans with a low risk will obviously get the best rates.

Are commercial mortgages variable rate?

No, but the majority are. The a rate will be quoted as a percentage over base or LIBOR. Fixed rate mortgages are available and they may be advantageous.

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