Commercial mortgages for all businesses.
- Hotels, Guests Houses, B&Bs
- HMO Hotels
- Office, Retail Units
- Light/Heavy Industrial
- Multi-Unit Flats
- Warehouses and Factories
- Agricultural
- and more.
What is a commerical mortgage?
A commercial mortgage is a specialised loan designed for businesses and investors to purchase or refinance commercial properties. These properties can include office buildings, retail spaces, warehouses, industrial facilities, and more. Commercial mortgages typically have longer terms and higher loan amounts compared to residential mortgages, making them an ideal choice for businesses looking to invest in real estate.
Property Acquisition.
A commercial mortgage enables you to acquire the property you need to establish or expand your business. Whether you are a small business owner or a seasoned investor, our flexible commercial mortgage solutions cater to your specific requirements.
Property Development.
If you are looking to develop a commercial property, our tailored mortgage options provide the necessary financing for construction and development projects, allowing you to turn your vision into reality.
Refinancing Solutions.
Refinancing your existing commercial property can offer advantages such as lowering your interest rate, accessing additional funds, or consolidating debt. Our team can help you explore the best refinancing options to suit your financial needs.
Business Expansion.
If your business is thriving and you need to expand your current premises or open new locations, a commercial mortgage can provide the financial support you need to seize growth opportunities.
Investment Ventures.
For those seeking to diversify their investment portfolio, investing in commercial real estate through a mortgage can be a rewarding strategy. Our team will help you navigate the complexities of commercial property investment.
Our commercial mortgage services.
At Financial Views, we take pride in offering comprehensive commercial mortgage services to businesses across various sectors. Our experienced team of financial advisors is committed to providing you with personalised and efficient solutions.
Expert Guidance.
Our experts will assess your specific needs and financial situation, providing tailored advice to help you make informed decisions regarding your commercial mortgage.
Access to Lenders.
As a well-established commercial mortgage broker, we have access to a wide network of lenders and financial institutions. This allows us to find the most competitive rates and terms that align with your requirements.
Efficient Application Process.
We streamline the application process to save you time and effort. Our team will guide you through the necessary documentation and handle the paperwork on your behalf.
Negotiation Support.
Our skilled negotiators will work on your behalf to secure the best terms and conditions for your commercial mortgage, ensuring you get the most favourable deal possible.
Frequently Asked Questions.
A commercial mortgage is a type of loan specifically designed for businesses and investors to purchase or refinance commercial properties. It is suitable for businesses of all sizes, real estate investors, and entrepreneurs looking to acquire or develop commercial properties, such as offices, retail spaces, industrial units, and more.
Commercial mortgages and residential mortgages differ in several ways. Commercial mortgages are intended for commercial properties and typically have longer terms and higher loan amounts. Interest rates and fees may also vary, and commercial mortgages often require a higher down payment compared to residential mortgages.
Commercial mortgages can be used to finance various types of commercial properties, including but not limited to office buildings, retail spaces, warehouses, industrial facilities, hotels, and multifamily apartment buildings. Our team can help you explore financing options based on the specific type of property you wish to acquire or develop.
Lenders consider several factors when evaluating a commercial mortgage application. These may include the creditworthiness of the borrower, the financial health and stability of the business, the property’s value and potential income generation, the business’s cash flow, and the borrower’s experience and track record in the industry.
The amount you can borrow with a commercial mortgage depends on various factors, such as the value of the property, your business’s financial standing, your ability to repay the loan, and the lender’s criteria. Our team will work closely with you to determine a suitable borrowing amount based on your specific requirements and financial capabilities.
The terms and interest rates for commercial mortgages can vary based on the lender, the property type, the loan amount, and the borrower’s financial profile. Commercial mortgage terms are generally longer than residential mortgages, often ranging from 5 to 25 years or more. Interest rates may be fixed or variable, depending on the chosen loan structure.
Yes, commercial mortgages can be used for property development or renovation projects. Whether you are looking to develop a new commercial property or renovate an existing one, our commercial mortgage solutions can provide the necessary financing to support your construction and improvement plans.
The time to get approved for a commercial mortgage can vary based on factors such as the complexity of the application, the completeness of documentation, and the lender’s internal processes. Typically, the approval process may take several weeks. Our team is committed to ensuring a smooth and efficient application process, guiding you through each step to expedite approval.
Partner With Us
This Is What We Can Help You Achieve.
Accelerate Growth
Whether you're a startup or an established enterprise, we have the tools and expertise to help you grow your business, securing the funding you need for expansion, new ventures, and market penetration.
Navigate Opportunities
Our financial solutions are tailored to help you seize market opportunities, giving you the competitive edge to make bold moves and capitalise on emerging trends.
Enhance Cash Flow
We understand the importance of healthy cash flow for business success. Our finance options are designed to optimise cash flow, providing the liquidity and working capital necessary for growth.
Overcome Challenges
From refinancing existing debts to consolidating liabilities, we can help you address financial challenges, reducing financial stress and paving the way for a brighter financial future.