Trading Business Commercial Mortgages

by Charleston Financial


Are you a business owner planning to increase your portfolio or review your existing borrowing facilities? Or would you like to purchase or refinance your own trading premises? Our Commercial mortgage advisers are market leaders in finding suitable lending solutions for all circumstances.

Commercial mortgages are more complex compared to arranging a residential or buy to let mortgage. The importance of dealing with the right mortgage adviser is fundamental in the success of arranging the right commercial mortgage for your business.

Competition in the commercial funding arena has increased  in recent years, with the introduction to the market of Challenger Banks and Specialist Lenders paving the way to competitive alternatives to the traditional High Street Banks. This has made owning commercial property as a landlord or business owner more achievable and attractive than ever before.

The lack of high street lending availability

Traditional high street lenders have strict credit criteria in terms of commercial lending. It often rules out a number of potential applicants who run successful and profitable businesses, but do not qualify due to the market sector they operate in, or due to the local lending appetite of their bank.

Specialist lenders have entered the mortgage market space to provide applicants with competitive, easier to access funding deals and other services.

Data received from Statista indicates that specialist mortgage lenders have made things possible for business owners in terms of commercial mortgages.

Specialist commercial mortgage providers will generally assist with first charge term lending for both purchase and re-mortgage reasons, on a vast array of properties including:

  • Retail Offices
  • Industrial and Warehouse Units
  • Dental, GP and Veterinary Practices
  • Nursing/Care Homes
  • Leisure and Hospitality including Public Houses
  • Restaurants, B&B, Guest Houses, Hotels
  • Gyms, Fitness Centres and Golf Courses

The role of a specialist mortgage broker

Our commercial mortgage advisers are highly experienced across all sectors. As Independent advisers, we are not tied to any single product provider, meaning we can focus on your personalised needs and find the right commercial mortgage lenders that will meet your requirements and maximize your potential for success.

Specialist commercial mortgage brokers enable you to access mainstream commercial mortgage lenders, whilst at the same time giving you access to a wide range of specialist commercial mortgage lenders, enabling us to offer a number of semi-exclusive products which are not available direct to the general public.

Our exclusive access to products highlights our highly regarded reputation within the marketplace as key partners that provides not only a professional and efficient specialist mortgage service, but on operating with complete honesty, integrity and transparency with our customers and intermediaries alike.

Competitive specialist mortgage options

Our commercial mortgage advisers can help you with a variety of mortgage solutions to help achieve your business objectives

We can generally arrange up to

  • 80% loan to value (up to 100% with additional security)
  • rates still available from 3.5% above BoE base rate
  • Interest-only options available
  • Up to 30 years term
  • Semi-exclusive & exclusive mortgage products
  • Lending to Sole Trader, Partnerships, LLP & Ltd Company solutions
  • Re-mortgage for capital raising and for rate improvements
  • Purchase for trading businesses and investment commercial mortgages

Semi-commercial mortgages

Semi Commercial properties generally consist of an element of both commercial and residential space. One of the most common of these types of properties is a retail shop on the ground floor with a residential flat above. Purchase of these properties is becoming ever more popular in light of the recent taxation changes for residential investments.

If you are looking at purchasing a semi commercial property, arranging your mortgage through our mortgage team would enable you to have access to mainstream and a wide variety of specialist commercial mortgage lenders who specialise in these types of transactions. It is recommended that you always seek independent taxation advice, when purchasing investment property.

Why should someone consider a commercial Mortgage for Trading Business?

If you already run a trading business and have surplus funds set aside to purchase residential buy to let property, it’s certainly possible to borrow through a growing number of lenders without the need to establish a separate Limited Company (SPV) potentially saving you time, energy and money.

You may want to consider a Trading Business Mortgage so that retained profits from your existing business can be made available for a deposit or you may simply wish to keep all of your borrowings and property assets in one company for ease. Whatever the reason, our expert advice can help you find the right deal for you.

There are different ways you can structure your property portfolio but finding the right one for you could save you thousands. Here are just some of the reasons to consider a Trading Business Mortgage:

  • You can use your retained profits as purchase deposits.
  • Less paperwork – it can keep life simple with one trading business, one set of accounts.
  • Rental stress tests are more lenient for companies compared to personal names.

Limited company portfolio structures are becoming more popular than personal Buy to Let mortgages and with any property portfolio, you should speak to our experienced mortgage advisers for specific product advice, especially when purchasing in an existing trading business (non SPV), as there may be reasons to ringfence the property asset away from the business, which you can still use the profits of the trading business to achieve this goal.

Why Use a specialist commercial mortgage broker?

When considering the future of your property portfolio, expertise will go a long way and you’ll get 100% confidence that you have the best deal. You’ll benefit from the specialist portfolio knowledge to handle your unique needs.

  • You’ll get access to the most attractive and suitable products on the market.
  • You’ll get advice based on the true total cost of your mortgage including all rates and fees, not just the initial rate – saving you long term.
  • You’ll get access to exclusive offers not available on the high street.
  • Same day decision in principles
  • No upfront broker fees.

In conclusion, you will get a quick decision on your application, as we handle the application from start to finish to get it completed quicker.

Our Mortgage advisers provide straight forward, human advice, no automated responses. We take the time to fully understand your needs to get the right mortgage solution in the right time.

To discuss our range of commercial mortgages, please contact us on +441908972491 for a free no obligation quote

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