Commercial Mortgage
Commercial mortgage solutions tailored for businesses and investors. Finance offices, warehouses, retail spaces, or refinance to release equity.
Commercial Mortgage Solutions
A commercial mortgage is a tailored financial solution for businesses and investors seeking to purchase or refinance commercial property. Whether you’re acquiring premises for your operations or expanding your property portfolio, a commercial mortgage offers the stability and flexibility needed to achieve your goals. While more complex than a residential mortgage, it provides opportunities for long-term growth, equity building, and financial control.
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What Can a Commercial Mortgage Be Used For?
A commercial mortgage can be used for various purposes, depending on your business or investment goals. Common applications include:
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Purchasing commercial properties like offices, warehouses, or retail spaces.
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Refinancing existing properties to release equity for reinvestment.
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Securing premises for owner-occupier businesses, offering greater stability and control.
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Expanding property portfolios for commercial investors aiming to maximise rental income.
By understanding your objectives, we can help you tailor a commercial mortgage to suit your specific needs.
How Much Can I Borrow?
The borrowing capacity for a commercial mortgage depends on several factors, including:
Our experienced advisors can assess your financial position and provide a clear understanding of what you can borrow, ensuring you secure a mortgage that meets your goals.
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How Does a Commercial Mortgage Work?
Unlike residential mortgages, commercial mortgages are designed to meet the unique requirements of businesses and investors. They are available to individuals, business owners, and limited companies, covering a wide range of property types such as offices, factories, and retail units.
Loan terms typically range from 5 to 25 years, with interest rates determined by factors such as the property’s value, loan-to-value (LTV) ratio, and your financial circumstances. Lenders also assess your credit history, business income, and profitability to ensure affordability.
With our expert guidance, navigating these complexities becomes straightforward, allowing you to focus on achieving your business ambitions.
Benefits of Owning Your Premises
Owning your business premises offers significant advantages over renting, such as:
Avoid the risks of rising rental costs or potential relocations.
Fixed repayments make long-term planning more predictable.
Over time, outright ownership creates a valuable asset for your business.
For growing businesses, purchasing property is a strategic investment that strengthens your financial stability and supports long-term growth.
Commercial Mortgages for Investors
Investing in commercial property requires expert planning and access to tailored financing solutions. A commercial mortgage can help you:
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Secure properties with strong rental income potential.
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Expand your portfolio with flexible and competitive loan terms.
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Stay ahead of market trends and legislative changes that impact the commercial sector.
Our team at Bradgate Financial Solutions provides personalised advice to help you optimize your property investments, ensuring they align with your financial strategy.
At Bradgate FS we aim to make choosing and applying for a mortgage, protection, loan or insurance as stress-free as possible.
We understand the challenges and opportunities in the commercial mortgage market. Whether you’re purchasing a property for your business or expanding your investment portfolio, our expertise ensures you receive the right advice and solutions for your needs.