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What is a commercial mortgage?

The biggest difference between a Commercial Mortgage & other types of mortgages such as a residential mortgages, is the type of property for which funding is required; in this case it would be an office, industrial unit or a shop for your business to use. The property might actually be an investment to you, where tenants pay rent you use, in turn, to pay the mortgage.

The standard process is that an application is submitted by the customer, and on approval a mortgage offer is issued by the bank, subject to a satisfactory valuation, and the transaction is completed.

In addition, because commercial properties can take longer to sell than houses, all lenders regard them as a bit more risky, and for this reason the customer normally pays a higher interest rate.

How do I know if I qualify for a commercial mortgage?

Get in touch with us and we’ll go through some details with you to find out if one of our loans is suitable for you.

What are the terms of the loan?

Our loans are available from 12 months up to 25 year terms for loans on commercial property and up to 30 years for residential property loans.

What can I borrow for?

We will lend for property purchase or transfer, refinance, working capital, equity release, business growth, investment and business acquisition.

Who do you lend to?

We accept applications from sole traders, partnerships, limited liability partnerships, limited companies and PLCs.

Do you lend to ex-pats?

Yes we lend to expats who are either acquiring or refinancing residential Buy-to-Let property. Get in touch with us for further details.

What are the terms of the loan?

The terms of a loan vary on a case by case basis. Please contact us for more details.

Do you do development loans?

We do not provide Development funding at present. We do however have a Refurbishment loan option available for smaller projects.

How quickly can I get a decision on my loan?

Once we have all the information required, loans are typically underwritten in around 48 hours.

What if I’ve been refused elsewhere?

It helps us to know why you were refused by another lender but this doesn’t necessarily mean that we can’t help you. We have a manual underwriting process whereby each case is considered on its own merits. Speak to us to see what we can do for you.

How much can I borrow?

That will depend on the type of loan you require, although our general maximum level is 70% of the market value of a property. Please get in touch with us to find out more.

Can I make overpayments?

Yes, you can make a one off overpayment of up to 10% of the outstanding loan balance within a 12 month period without charge. Any payments exceeding this amount will incur an Early Repayment Charge (ERC).

What happens if the loan is redeemed early?

If you choose to exit your loan agreement before it ends, you may have to pay an Early Repayment Charge (ERC). This will vary depending on the type of loan you have chosen and in most cases will be charged as a percentage of the loan outstanding. For full details, please get in touch.

How do I change my bank account details?

If you change your bank details for where our direct debit is taken from, then please get in touch and we will provide you with a new direct debit mandate form to complete and return back to us. This will avoid any late or missed loan payments.

What fees/charges are involved?

Our fees and charges are listed within our Lending Fees Guide.

Can you lend outside your usual criteria?

We can be flexible in the right circumstances. Please call us to discuss cases that you believe are outside our criteria but which you would like to explore further.

My circumstances have changed, what can I do?

Please get in touch with us to discuss at the earliest possible opportunity.

I am experiencing financial difficulty, what can I do?

We encourage you to contact us as soon as possible if you are worried about making your loan payments. We have experience in helping people in your situation and we want to try to help you too. Many people dislike talking about money issues, but when you are struggling to afford your loan or can sense trouble ahead you should not suffer in silence. Whether or not you have missed a loan payment or are worried that you might struggle in the future, please contact us.

What is a House in Multiple Occupation (HMO)?

Any of the following properties are likely to be houses in multiple occupation (HMOs) –

  • Bedsits
  • Shared houses
  • Lodgings
  • Hostels.
  • Individual shared self-contained flats/cluster flats
  • Blocks of converted flats
  • Halls of residence (privately operated)
  • Asylum seeker/migrant accommodation
  • Accommodation for workers/employees
  • Refuges
Do you lend on licenceable HMOs?

We are able to lend on both licensed and unlicensed HMO’s. If a HMO needs a licence then we will insist that we have sight of the licence.