Commercial Mortgages - Expert Finance for Business Property

Commercial Mortgages | Business Property Finance | CambsElyMortgages

Introduction

Whether you are buying business premises, investing in commercial property, or refinancing an existing commercial loan, the right mortgage advice can save you a significant amount of money. Commercial mortgages are more complex than residential products -- with greater variation in rates, terms, and lender appetite -- which makes independent, whole-of-market advice particularly valuable.

Owner-Occupied Commercial Mortgages

An owner-occupied commercial mortgage is used when a business purchases the premises from which it operates -- an office, warehouse, retail unit, or industrial property. Lenders will assess the trading history and financial strength of the business alongside the property value. We work with a range of commercial lenders, from high-street banks to specialist funds, to find the most competitive terms for your business.

Commercial Investment Mortgages

A commercial investment mortgage is used when purchasing a commercial property to let to a third party. Affordability is primarily assessed on the rental income the property generates, with lenders typically requiring the rent to cover 125-130% of the interest payments. Commercial investment lending requires specialist lenders and a thorough understanding of the market, which is where our expertise comes in.

Semi-Commercial (Mixed-Use) Properties

Semi-commercial properties -- those with both residential and commercial elements, such as a f lat above a shop -- require a specialist mortgage product that sits between a residential and commercial mortgage. Lender appetite and pricing varies considerably in this market, and we have access to the specialist lenders who understand these property types.

Refinancing Existing Commercial Debt

If your existing commercial mortgage is coming to the end of its term, or if your business circumstances have changed, it may be worth reviewing your current facility. We can benchmark your existing deal against the current market and advise whether refinancing would deliver a material benefit.

Commercial property finance is complex, but getting the right deal can make a real difference to your business. Get in touch for a free initial conversation -- we will assess your requirements and identify the most suitable lenders for your situation.

Commercial mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a secured loan.