Commercial Investment Mortgages
Individuals and companies should be able to demonstrate both a strong investment plan and experience in commercial property management.
Main factors when assessing an application revolve around the applicant, the property and the lease.
Credit history, financial position and experience of letting both commercial and residential property.
A good level of demand for both letting and sale of the property is assessed. The surveyor will form their report on these factors and this will form a large part of the lending decision to lend.
A financially robust tenant is important as the lease terms, as a tenant who is at risk of financial collapse will not be considered a reliable source of income.
Arranging a commercial property mortgage can be a complex process and time consuming. We have access to specialist lenders that will offer both Interest only and repayment mortgages and can fund up to 75% LTV; this can be favourable over the High Street offerings. This means you need a deposit or equity of at least 25%. Some let you use equity in another property you own instead of a deposit.
Our commercial finance advisors are experts who can break down every detail of your requirement and give you the best possible advice. We do the hard work, sourcing tailored solutions to make this happen for you.