Commercial Mortgages from the UK's leading Commercial Broker
We offer a broad range of commercial mortgage products for the acquisition and development of freehold commercial, retail and investment properties. Our promise is to search the entire UK market for the best possible deal on your behalf, we do not charge up front fees and to initiate our fully managed service we only ask that you are a serious purchaser. Call us on 0845 838 1954 or submit application we will then provide you a decision in principle on a mortgage offer generally the same day. We provide Commercial Mortgages for both Owner Occupier and Investment purposes for the following premises:
- Offices, warehouse and industrial premises.
- Residential and Commercial Property Development and Refurbishment.
- Nursing / Care Homes and Day Nurseries.
- Professional landlord, Buy to Let mortgages and portfolio consolidation / equity release.
- High Street Retail premises, semi-commercial, shops, take-aways.
- Pubs, clubs, hotels, restaurants, cafes and other licensed premises.
- Farms, equestrian and agricultural units.
- Leisure Facilities – health clubs, gyms, caravan sites, golf courses etc.
Who can get a mortgage?
Click here to use our mortgage calculator to work out how much your loan could cost you
We specialise in providing finance for existing business users, and those looking to start their own business. If you have previous credit problems including Bankruptcy, IVA, CCJ's etc. this will not necessarily be a bar to obtaining funding as there are lenders in the market who will help. Audited business accounts or a previous trading history are not always necessary as lending decisions can be made against the value of the property and your ability to repay the loan from expected business income or property rental yield as appropriate. For a no obligation discussion and mortgage illustration please call us or submit application
How much can you borrow?
In general terms we can arrange finance up to 80% of the 'bricks and mortar' value of the property or 75% of the business purchase price including goodwill etc. if you are taking over a going concern. We have strategic partnerships with lenders who will, in certain circumstances, offer up to 100% funding if additional freehold security is made available. In addition we can often help you to secure additional top up and bridging finance for the purchase if necessary. We have special deals available of up to 95% funding for sitting tenants wishing to buy the business or Commercial Property they are currently successfully renting. Please call our office on 0845 838 1954 or submit application for full details.
What interest rate will you pay ?
The interest rate and terms offered generally depend on the amount you wish to borrow as a percentage of the purchase price, the term of the loan and your previous credit history. We have access to the most competitive interest rates anywhere in the market and guarantee to source you the best mortgage deal possible. Interest rates currently start at 1.5% above bank base rate.
Why Use a Commercial Mortgage Broker ?
Commercial Mortgages are a very specialised product area with the majority of lenders choosing to work only via qualified and accredited intermediaries and this becoming more important in the current financial climate or so called 'credit crunch'. We will professionally assess your borrowing requirements and accurately match your needs with over 30 Commercial Mortgage lenders still actively lending in the UK.To get the loan formally approved in the fastest possible time we will fully package the application and submit direct to the lenders credit committee with supporting information.
In the initial stages o ur aim is to quickly provide you a minimum of three firm and competitive proposals to consider, we will usually have a decision in principle within a matter of hours giving you the security and confidence of negotiating positively on your chosen business or commercial property purchase. Our specialist knowledge and advice will save you significant time and generally save you many thousands of pounds over the term of the loan by matching the best mortgage product to your exact needs. Throughout the process you are offered the dedicated services of one of our qualified Business Finance Consultants who will, if required, advise you on a wide variety of complimentary funding solutions for your business over and above the Commercial Mortgage requirement.
Your Next Move ?
We do not charge up front fees, our expert advice is given freely and entirely without obligation so please let us know your requirements. If you would like us to assess the best option for your commercial mortgage call us today at local rate on 0845 838 1954, submit an application or request a call back. We look forward to working with you in sourcing and delivering your commercial mortgage.
Quick enquiry
Call us today
Telephone White Rose Finance on 0845 838 1954.