Commercial Mortgage Brokers

Looking to buy or refinance a Commercial Property?
As Commercial Mortgage Brokers we have access to some of the most competitive interest rates…

Award Winning Commercial Mortgage Brokers

As whole of market and award-winning commercial mortgage brokers we have ready access to all the commercial mortgage lenders that are actively seeking to lend, from less than £50,000 and up to £30 million. We’re able to access for our clients the most competitive rates in the market with terms up to 30 years.

With interest rates starting from just 2.5% above the Bank of England Base Rate (BBR) we will be able to broker the right commercial mortgage for you.

The types of commercial mortgages are either an Owner Occupier Mortgage or Commercial Investment Mortgage.

An Owner Occupier Mortgage is where the property is used by the business owner to run the business from.

A Commercial Investment Mortgage is where the property is rented out to one or more business tenants, similar to a Buy to Let Mortgage.

Getting the right commercial mortgage…

Commercial mortgages come in different shapes and sizes and matching the right lender to the property is essential. As experienced commercial mortgage brokers a commercial mortgage can be broken down into 4 main types

  • Trading business mortgages – where the property and business are both being sold as a going concern
  • Farm Mortgages – please visit our Farm Finance Brokerage, Finance for Agriculture (external link)

Typical lending criteria – commercial mortgages

  • Up to a maximum of 30 years, dependent on the lender
  • Maximum loan to value 75% dependent on property type
  • Typically a maximum age of 85 at the end of the mortgage based on the oldest applicant

Some benefits of using us

In addition to property valuations, building insurance, and legal support, we offer a wide range of additional services. For information on this, please see our Business Support Services and Trusted Partner Network.

Our business support and brokerage services include fully packaging and submitting your business loan application in addition to ensuring the most competitive rates and terms. We will ensure that your commercial mortgage application is prepared quickly and efficiently. At the same time, we will keep you updated on your application’s progress in order that funds are available in the shortest possible time.

Our offer

In particular, as commercial mortgage brokers we offer all our clients a truly ‘one-stop-shop’ facility, specifically to provide you with a fully managed and professional business support and brokerage service. Our mission is to secure the most competitive funding offer for your circumstance available from the whole of the market.

Whatever your finance requirements, we offer a free, impartial, and confidential initial consultation and will quickly assess your funding options.

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Additional information…

Tax Reclaims brands

Capital Allowances Tax Relief may offset the hidden expenditure in your commercial property. Typically, this includes elements such as air conditioning, wiring, heating, lighting and security systems – essentially everything that would remain in the building if you tipped it upside down!

All UK taxpayers that own commercial property, personally or within an Ltd Company, may be eligible to claim Capital Allowances tax relief. The eligibility and value of the claim depends on multiple criteria and assessing this can be complicated, however, we can take this stress off your hands.

For more information on Capital Allowances Tax Relief, visit Tax Reclaims, a Wattsford Family Brand.

A government-backed Start Up Loan through the British Business Bank may be available to purchase stock provided that you’re either a start up or have been trading for less than 3 years.

Start up loans are available for eligible applicants who are over the age of 18, live in the UK and have a business that either hasn’t started trading yet or has been trading for less than 3 years. With a start up loan you can borrow between £500 and £25,000 per applicant (maximum £100,000 per business).

For more information on Start Up Loans, visit Business Starts, a Wattsford Family Brand.