Investing in property has great potential rewards and advantages. For the property owner - as either the business occupying the property themselves or as an independent property investor - a commercial mortgage loan offers the means to acquire a property and to grow a business.
A commercial mortgage loan can apply to either owner-occupied situations or as a way to finance the property for investment purposes.
Arranging for a loan for property that is owner occupied is a complex process in which the lender investigates and makes a decision based on the business's overall profitability. Close examination of the businesses accounts, market factors, location, business assets, debt ratio and many other factors may come into play when determining if a lender will grant a loan.
Financing investment property - that is, properties invested in solely for the purpose of making a profit on the property itself rather than through running a business - is viewed somewhat differently by banks and other lending institutions. The occupying tenent's accounts are examined - bearing in mind the rent they are paying - rather than the actual owner's accounts. A decision is then reached as to the profitability and viability of the tenent's business to pay the rent, and a commercial property loan is then granted on that basis.
are finance specialists for these types of owner-occupied and investment properties. We have over 20 years experience working on behalf of our clients to secure loans from all the major UK lenders. Over the years we have developed several key relationships within the industry, enabling us to establish direct access to the decision makers who can negotiate and sign off on commercial mortgages and other investment property financing. Our services are effective and also save you money due to the fact that we do not charge brokerage fees on your loan unlike other finance brokers.
Whether your mortgage involves your own business or is purely for investment purposes, we offer a first rate service in helping you obtain the best terms and conditions for your financing. Our DIY Funding Pack will enable you to immediately apply for the mortgage loan that meets your specific needs as a business owner or investor. Visit for more details and to obtain your own funding pack.
