Commercial mortgage consultants Kensington, London
Helping London businesses find the perfect mortgage
The right financial help is essential in today’s business world. We understand this and have been building relationships with our lenders for well over 10 years so that you can benefit from our experience. In this challenging market where lenders criteria is becoming ever more strict, a broker’s input has become even more essential.
We are whole of market commercial brokers, able to access the numerous commercial mortgage schemes via a wide range of lenders across the UK, both high street lenders and specialist intermediary lenders. We can access 100% funding for certain professional status borrowers and for those clients with additional security, however, for single property transactions a general rule of thumb would be 75%-80% loan to value, depending on the specifics.
As commercial lending is a specialised market, there are no best buy tables as no two deals are the same since most commercial properties and businesses differ greatly. It is a case of using our industry know-how to approach several lenders with an appetite for the type of lending you require. We negotiate strongly on your behalf and create competition between lenders to ensure you have the best rates for your business.
Differences between commercial and residential mortgages:
A commercial mortgage is in principle similar to a residential one. In both cases the lender will assess the applicant to ensure that they have the means to repay the loan and assess the security offered to ensure that they will be able to repay their debt if it comes to repossession.
Commercial mortgages can be taken out in the name of a business or commercial property investor and is based on both the business of their tenants and the income of the borrower being able to maintain the commitment.
The security offered will either be used in its entirety for commercial business or contain a mixture of commercial and residential use.
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