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Commercial Mortgage Guide
Jargon Buster
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Commercial Mortgages

Commercial mortgages can be arranged for any specific requirement; to buy, extend, improve, re-mortgage business or buy to let premises and fund many other business activities.

The terms of a commercial mortgage will depend largely on the type of business you're running and the type of premises or land you wish to buy. This is a complex area and it's essential that you seek specialist advice.

Loan to value's vary depending on property types and client profiles but finance of up to 85% is usually obtained with 100% funding achievable with additional security. Rates are dependent on each particular deal but can be as low as 1% over base.  Banks and building societies usually prefer to lend to low-risk businesses with a trading history that is stable and profitable. Commercial 1 understands that not every UK business falls into this category which is why we can assist you with finance when these bank/building societies have declined.

Commercial 1 has developed excellent relationships with a number of specialist lenders enabling us to access the non-status commercial mortgage market. This market accommodates clients by obtaining self-certification mortgages where accounts are either insufficient or unavailable.

Finance for new business start ups and clients with a poor credit history who don't conform to the main banks criteria and have been turned down can also obtain funding in this particular market.

Rates in the non-status commercial market are subject to LTV's but can be as low as 2.75% above Libor.

As a packager, Commercial 1 can obtain finance faster when working with specialist lenders because we have full control of your application.