commercial mortgages:
now you can enjoy significant long-term benefits…
Buying a commercial property or land can be an excellent decision, often turning into a significant asset. Businesses and landlords can use commercial mortgages, similar to residential ones, to acquire premises for commercial use.
Whether you’re looking for a property for your business to trade from, you’re the owner of an operational company property company (Opco / Propco) searching for a property asset separate from your trading business or a commercial investment for you to lease to a third-party business, commercial mortgages will work for you. With access to the largest UK network of lenders, the signature team are members of the National Association of Commercial Finance Brokers (NACFB) and are experts in tailoring commercial mortgage products, to align with your business needs.
funding your commercial property:
whatever the use, we will find a way…
If you’re looking to move out of a rented commercial premises, or you’re in need of a bigger or even another building, you’re probably considering investing in a property and will soon require a commercial mortgage to finance the purchase. Every property is different, so there’s lots to consider when assessing products. Policies vary and must be individually assessed, factoring in the level of risk. So just like properties, no two loans are ever the same and need thorough investigation to understand the full story. And that’s where we come in.
Whatever space you’re acquiring – office, factory, warehouse, retail unit, restaurant, or hotel, you name it, we’ve found a mortgage for it.
investment property for commercial landlords:
a secure portfolio provides total peace of mind…
Commercial investment mortgages help companies or landlords purchase or refinance commercial property to lease to a business. Also known as commercial buy-to-let mortgages, they provide commercial property investors secure finance to make the investment. As with all mortgages, there are a lot of factors to consider, with eligibility varying from lender to lender. Lenders will weigh up the risk by assessing the potential rental yield, lease quality and even tenant quality.
With so many different products out there to choose from, it’s important to work with professionals like us to find the right fit for the next or may be even the first chapter of your investment portfolio.
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four things you should know:
choosing the right mortgage:
Commercial mortgages are used to purchase properties or land, out of which a business will trade. Although you may be buying a house to rent out as a business venture, you’ll need a buy-to-let mortgage instead as its classed as residential property.
deposits and equity:
Generally, most lenders will only off a maximum of 70% of the property’s value, which means you’ll need at least a 30% deposit or the equity to the same value in another property. 70% isn’t always guaranteed, the loan to value ratio will depend on a number of factors.
when buying land:
Looking at a plot of land and need to find a way to finance it? A commercial mortgage could be the answer. Commercial mortgages can be used to buy land, with or without planning permission. Once secured, you can then arrange additional construction finance.
residential property attached:
If over 60% of the property is used for commercial reasons (i.e. shop, pub, take-away) with a flat or apartment attached, semi-commercial mortgages are available. Use to purchase or refinance any building or plot of land used for both purposes.
meet the team:
our commercial mortgage team is here for you:
We’re not afraid to say, we’ve got some of the best commercial mortgage advisers out there. We understand the industry inside out and know exactly where to look to find products that align with your businesses goals and needs. With a real passion for delivering exceptional service and developing a long-lasting relationship; we’re here for the long-run, to become an extension of your team.
why you should choose us:
we are in the know:
We’ve been delivering the best mortgage solutions for years. It’s fair to say we know the industry inside out and know where to look to get the best deals that are tailored to you.
we are with you every step:
We’re on the journey with you! From your first credit-check and valuations to the mortgage switch, our trusted mortgage advisers are here for you at each and every stage.
we have great lender access:
Unlike other mortgage brokers, we’re not restricted to only a few lenders. With access to a wide choice of specialist lenders and banks, we guarantee to act solely with your best interests at heart.
get in touch:
Signature Specialist Finance Limited, is registered at Lake View Festival Way, Stoke-on-Trent, Staffordshire, ST1 5BJ. Company Register number is 13802607. We are registered with the ICO, ZB673067 and you can check via www.ico.org.uk.
Signature Specialist Finance Limited conducts both regulated and unregulated business, therefore, the Financial Conduct Authority does not regulate all products we provide.
We may receive a commission from the Lender that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
Our aim is to provide you with a professional and efficient service. However, there may be occasions where you feel this has not been achieved and should you wish to make a complaint about any aspect of the service we provide to you, you can do this by writing to Lake View Festival Way, Stoke-on-Trent, Staffordshire, ST1 5BJ, or by telephoning us on 01782 617600 where we will try to resolve your concern at the earliest time possible.