Commercial Mortgages

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We will provide you with ready access to over 50 major commercial mortgage lenders very active in the market who will look to provide a commercial mortgage at competitive rates up to 30-year terms. We can provide both capital and interest repayment schemes or ‘easy start’ interest-only options.

If you are looking to purchase a commercial property for your own occupation, via a SIPP as a longer-term investment or perhaps you wish to purchase a trading business or re-mortgage an existing property then speak to the experts within our team.

To assess your best commercial mortgage option, we will need to understand more about your business and confirm the ability to repay the mortgage from business profits or other sources of income. In general terms, we can offer mortgages up to 75% of the freehold / long leasehold value of the property or business being purchased.

We can also assist with a broad range of Buy-to-Let mortgage products on both fixed and variable interest rates. If you are currently occupying a commercial property as a sitting tenant and running a profitable business then we can offer special rates and generally a higher loan to value – please call us for details.

How we can help you secure a commercial mortgage

Navigate Stringent Eligibility Criteria: Lenders often have strict eligibility requirements, including credit history, business profitability, and financial stability, making it challenging for some businesses to qualify. We help you navigate the pitfalls and package your applications using our designated Lender Relationship Managers to streamline the process and ensure your maximum chances of success.
Market Volatility: Economic uncertainties and market fluctuations can impact the availability and terms of commercial mortgages, adding an element of unpredictability to the financing process. We can help you overcome these by ensuring you benefit from our huge range of motivated lenders and making sure you secure the best possible terms for your business.
Overcoming Challenges Of Business Type and Industry Risk: Some industries are considered higher risk by lenders, and businesses operating in these sectors may face challenges in securing commercial mortgages. We help our clients overcome these issues through access to a wide range of different lenders and our well established relationships with them. If funding is possible for your business we can find a way!
Loan-to-Value (LTV) Ratios Challenges: Lenders often limit the loan amount based on the property's value. Meeting specific loan-to-value ratios may require businesses to secure additional funding sources. Through our huge range of capital solutions we can find creative ways to fund shortfalls and make sure working capital is not something that holds your business back.
Navigating Interest Rate Changes: The interest rates on commercial mortgages can be higher than residential mortgages, impacting the overall cost of borrowing and potentially affecting the feasibility of the project. By using us as your funding partner we utilise our extensive network connections to ensure that you secure the best possible rates available to across the whole market.
Overcome Loan Term Length Challenges: Commercial mortgages often have shorter loan terms compared to residential mortgages. Businesses may face challenges aligning the loan term with their project timelines or long-term growth plans. Lean on our expertise and network of motivated lenders to create solutions for even the most complex of funding requirements. If there's a solution we'll find it and make sure it's the very best solution for your business!
Plan Your Perfect Exit Strategy : Lenders often require a clear and viable exit strategy, which can be challenging for businesses to articulate, especially when market conditions are uncertain. We use our expertise creatively to ensure you put the perfect exit strategy place.
Minimise Documentation Processing Time: The mortgage approval process can be time-consuming, and delays in document processing may impact the overall timeline of a project. We work with you to streamline the process and apply pressure on the relevant 3rd parties when required to help you complete as urgently as possible. We appreciate that time is money for your business and we do everything we can to make sure your new premises are in place quickly.
Overcome Changing Lender Policies Uncertainty: Changes in lender policies, market conditions, or economic factors can affect the availability and terms of commercial mortgages, leading to uncertainty for businesses. With our close relationships with a huge range of funders we make sure the information you receive is current and if you are uncertain about your current lending facility we can ensure you can confidently find the perfect solution to move your business forwards.
With Build Synergy as your capital partner you will have a strategic allie in your corner who ensures that the best interests of your business are protected and that working capital is never something that prevents your business from growing and thriving. Why not get in touch and find out more about how we can help.