Mortgages Illustration

Commercial Mortgages

We provide commercial mortgage facilities for clients that wish to purchase or re-finance their business premises.

We work with owner-occupier clients across a broad range of service, commercial and industrial business types. Premises can therefore be for office, retail, light commercial or industrial businesses.

We take time to get to know the business owner and to fully understand their business model as we believe that commercial mortgage finance is generally sought as part of a wider strategic business thought process by the owner, rather than as a simple or standalone product.

Key considerations for us in evaluating lending proposals are the type, location and quality of the property to be financed, the sector, management and trading performance of the borrowing business and the manner in which the proposed loan interacts with any existing bank facilities.

Speak to us today to discuss your requirements. Each new lending facility is bespoke in nature and will be negotiated directly between us. However, typical parameters;

Borrower types
UK Companies, partnerships, sole traders, SIPP/SSAS.
Loan Size
Generally £1m – £5m.
LTV
Up to 80%.
Term
Up to 15 years.
Amortisation profiles
Straight line or structured profile with final bullet repayment.
Covenants
LTV, Interest Cover, Debt Service Cover.
Security
First legal charge, debenture (possibly with shared priority with your existing clearing bank), other security as case merits.
Interest Margin
By negotiation.
Fees
By negotiation.

Recent transactions

View a selection of recent transactions.