HomeAbout UsContact Us
 

Commercial Mortgage

We can arrange your commercial mortgage on almost any type of property.

If you're looking to buy commercial premises and occupy them yourself, for almost any business purpose, you may need a commercial mortgage to make it happen. We can trawl through the jungle of offers in the market place for you and tailor the best LTV at the best rate and terms for your benefit.

Commercial Mortgage (Repayment)  Illustration Only
(assume £150,000 borrowed, 15 year term only)
Indicative Interest Rate % Monthly Repayment £ Indicative Interest Rate % Monthly Repayment £
6.50 1329.40 8.75 1527.92
6.75 1350.84 9.00 1550.73
7.00 1372.43 9.25 1573.69
7.50 1416.09 9.50 1596.79
7.75 1438.15 9.75 1620.03
8.00 1460.36 10.00 1643.42
8.25 1482.73 10.25 1622.22
8.50 1505.25 10.50 1690.60

Having a close relationship with commercial mortgage lenders allows us to negotiate on your behalf for the best overall terms; that's where our experience pays dividends for you.

As brokers, we often have access to commercial mortgage deals not available to applicants direct - these are provided by lenders to brokers because of the volume of business introduced. So it makes sense to use our contacts.

Which of these premises would you like to buy for your own occupation?

We can also help if you wish to refinance your existing premises in order to release equity built up in the property over time. You can do anything you choose with the money raised; perhaps reinvest in your business, or undertake another property development scheme. With commercial mortgages, the choice is yours.

Whether your objective is a high Loan to Value (LTV up to 100% with additional security) or fine margins from 0.75% above base, Monyy will work diligently to deliver the best property fund solution for you.

In some cases, you may be buying a business with a freehold property as a major part of the assets for sale. Getting the right commercial funding could help secure the business. Talk to us about your proposition.

Commercial Mortgage (Repayment)  Illustration Only
(assume £350,000 borrowed, 25 year term only)
Indicative Interest Rate % Monthly Repayment £ Indicative Interest Rate % Monthly Repayment £
6.50 2391.12 8.75 2909.41
6.75 2446.70 9.00 2969.34
7.00 2502.8 9.25 3029.70
7.50 2616.56 9.50 3090.48
7.75 2674.18 9.75 3051.66
8.00 2732.29 10.00 3213.23
8.25 2790.88 10.25 3262.77
8.50 2849.92 10.50 3337.52

Would you like to talk to us about commercial mortgages? Do you want a capital repayment commercial mortgage, or interest only? How much do you want to borrow, over how many years? Can you or the business afford the repayments? Do you want to put the property into your SIPPS or SSAS pension fund?

Self-Certified Commercial Mortgages

We can even arrange a self-cert commercial mortgage for you if you are unable to prove income. In some cases, even a poor credit history can be accommodated. Regardless of your circumstances, why not call us to see how we can help?

With a self certification commercial mortgage you don't have to provide accounts, payslips or company accounts to prove your income. We can provide a commercial mortgage for business purchase that includes commercial property.

If you are looking to remortgage your existing business property to raise capital for cash flow purposes or to get better terms than your current lender or for purchasing another property, then in most cases we can offer remortgages up to 85% of the property value.

Monyy provides a No Fee, Low Fee guarantee on a self cert commercial mortgage which means the lender will pay us a fee so you don't have to.

With accepted proofs of income we can usually obtain enhanced terms with our panel of commercial lenders on a self certified basis. So if you can provide any of the following, we can negotiate harder for you:

For advice on all these variables why not call us now on 01949 81918. As brokers we can steer you in the best direction towards a commercial mortgage deal you can afford.