Commercial Finance

There are many types of commercial finance on offer and the most appropriate option will vary depending on the needs of each business. For those who are investing in a non-residential property, commercial mortgage finance is likely to be the best way forward.

Commercial mortgage finance is designed specifically for businesses looking to invest in property such as office buildings, shopping complexes or industrial units. The main benefits of this type of finance are:

  • interest payments are tax-deductible
  • when the property value increases so does the capital
  • the property can be sublet to generate extra income

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Due to the more involved nature of operating commercial premises, lenders prefer applicants to have property investment experience. To increase your chances of securing the right finance, in most cases you’ll need:

  • a deposit of 20% – 30%
  • to be a homeowner
  • to have owned a couple of Buy to Let properties for a minimum of two years
  • cash in the bank in the form of savings
  • evidence of your income

As commercial mortgage rates are calculated for each specific customer, the rate you’ll get will depend on a combination of factors such as your experience, industry sector, the type of property you want to buy, the quality of the tenant and the length of the lease.

Get it Right First Time

Commercial mortgage finance is quite complex so it pays to get professional advice before making a final decision. As an independent commercial finance broker, our team at Vincent Burch Mortgage Services can offer help with any type of commercial finance. We’ll work closely with you to complete an application that’s right first time and you’ll benefit from our access to a wide range of lenders and competitive rates from right across the market.

Let us help you, step-by-step, towards the right commercial finance deal for your business, all at no extra cost, call 01603 340644 or email [email protected]

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