Property Finance

Commercial Mortgages

White Rose Finance Group Limited has relationships with a range of commercial mortgage providers from the high street through to very specialised merchant banks and private funding lines. 

With over 30 providers of long-term borrowing we are confident that we can secure you the best possible product for your mortgage requirement.

Call for a no-obligation initial assessment of your options

What types of Loans can we source?

We can arrange finance for a first-time commercial investment, a recently converted mixed use property, a mortgage on the property your own business resides in, a portfolio of small value residential properties and many more “tricky cases”.

There is also wide range of standard Commercial Mortgage products that we can support including but not limited to:

  • Offices, Warehouse and Industrial Premise
  • Commercial Mortgages for:
    • Nursing/Care Homes and Children’s Nurseries
    • Pubs, clubs, hotels, restaurant, cafes as well as other types of licensed premise
    • all types of Leisure Facilities – health clubs, gyms, leisure parks
    • Farms, equestrian and agricultural units
  • Professional Landlord Buy to Let mortgages and portfolio consolidation/equity release
  • Commercial Mortgages for High Street Retail premises, semi-commercial properties, take-aways. (Please note purchases for Investment will require the property to be rented and generating an income at the time of purchase).

How much can i borrow?

Generally, we can arrange a commercial mortgage of up to 75% of the lower of purchase price or vacant possession value, although it is more common to have a commercial mortgage of up to 70% with the higher Loans to Value attracting a higher rate. In certain circumstances we can arrange even higher levels of loan for example, for sitting tenants buying the freehold of their business premises.

Commercial Mortgages are available on a fully amortising basis, interest-only or part capital and part interest only basis, subject to your requirements.

When assessing lending facilities, whether this as an Owner Occupier or as an Investor what is crucial is the ‘Serviceability’ of the proposed facility from the property itself.

For owner occupier’s serviceability is based on the profits of the business. For a commercial investment it will be the rent generated by the tenant – just as the rental on a buy to let determines what level of mortgage would be available so does a commercial tenants rent determine what can be borrowed on a commercial property.

What information do we need?

In order to give an indication of what may be available initially we will need the following information:

Business Owners

  1. Last 2-years trading accounts – full detailed accounts are required
  2. The businesses existing borrowing commitments to include Monthly Repayment, Expiry Date and whether this facility is to be repaid as part of this proposal

Commercial Investment

  1. Details of the current rental income of the target property
  2. Details of the commercial lease – Tenant, Rent, Expiry of the lease, Does the lease contain a break clause if so when

Give us a call, drop into the office or email us and we will happily go through with you the best and easiest way to provide us with this information.

Throughout the whole process we will work with you, providing the services of one of our highly qualified case managers to advise you on the best possible product to meet your needs.