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Commercial Mortgages

Commercial Mortgages come in two main forms; owner-occupier and trading business, and Commercial Investment Mortgages. 

Mortgages for Trading Businesses are secured against the property from which your business trades. 

Commercial Investment Mortgages are for properties, that you own either in your personal name or in a corporate structure, that are let to a 3rd party.

The UK is spoilt for choice when it comes to commercial mortgages, which is brilliant from a borrower’s perspective as it means someone will cater for their borrowing needs. However, the market can be overwhelming to navigate due to the wide range of choices, which is why Tapton Capital are well placed to guide you through the process.

  • Loan Sizes Ranging from £50,000 to £100m+
  • Variable Rates Starting from 1.75% Over Base Rate
  • Fixed Rates Starting from 5.75%
  • Interest Only or Capital Repayments
  • Loan Terms up to 25 Years
  • Bank Product Fees Starting from 0.25% of Loan Amount
  • Various Corporate Structures Accepted: LLPs, Limited Companies, Partnerships, Offshore Structures, International Corporates, SIPPs

FAQs

Who can get a commercial mortgage?

Business and Investors can obtain Commercial Mortgages. Some banks lend to trading businesses, some lend against commercial investment properties let to 3rd parties, and some can lend to both

What are the Advantages of Commercial Mortgages?

Commercial Mortgages can help business owners to purchase the premises from which they trade. This can be a great financial strategy because as you pay the mortgage down over time, the value of your business can grow.

Commercial Properties are a popular investment strategy in the UK as they tend to produce a high yield, and tenants tend to agree to long term leases. This can provide investors with a fixed level of income over the long term

How Much Can I Borrow?

Typically, the maximum one can borrow on a Commercial Mortgage is up to 75% of the property’s value. There are a handful of lenders who can potentially lend slightly more to trading businesses.

What is a Commercial Property?

Commercial Property’ covers a wide range of property usages, including but not limited to; Offices, Care Homes, HMOs, Retail Units, Industrial Units, Fitness Facilities, Spas, and Hotels.

How Much Does A Commercial Mortgage Cost?

Interest Rates vary greatly. Banks and Specialist Lenders assess the risk of a loan based on several factors including loan to value, a businesses financial position and credit worthiness, the length of the commitment period, the asset type, and more. Variable Rates typically start from 1.75% over Base Rate, and Fixed start from 5.75%.