What types of Commercial Mortgages are available?
Commercial mortgages are available with a loan-to-value (LTV) ratio of up to 80% with potential to arrange up to 100% funding if additional security is provided.
Interest-only and full or part-repayment options are available with loan terms up to 30 years.
There is no requirement to transfer your day-to-day banking to the new lender and it may also be possible to arrange facilities for applicants with previous credit problems.
Examples of properties appropriate for a commercial mortgage include:
- Freehold public houses
- Convenience stores and retail units
- Industrial units, factories and warehouses
- Mortgages for Land
- HMO (houses in multiple occupancy) mortgages
- Care/nursing home mortgages
- Day nurseries
- Hotels and B&Bs
Please note this is not an exhaustive list, most property types can be funded, to find out how SWBF can help, please contact us and ask us what we can do.
We’ll approach a panel of lenders on your behalf which will include specialist commercial mortgage lenders, niche providers, banks and building societies. Then we will select the most suitable lender for you in order to achieve the best funding solution.
We pride ourselves on our ability to deliver rapid funding to clients and to meet tight purchase deadlines including property auction purchases, so contact us in Bath, Bristol or anywhere throughout the South West to discuss how SWBF can help you.
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Since the beginning of 2018 we have had an association with Zoe Morgan of South West Business Finance. For us it has proved to be an outstandingly successful relationship as together with Zoe’s vast knowledge and contacts within the financial lending industry we have been…
South West Business Finance (SWBF) guided us throughout the process adding and securing the correct financial product for our development , allowing us to decide the best deal from a range of lenders they have available. The professionalism was second to none throughout, even when…
The service from Zoe at SWBF was great. We purchased a HMO from auction with a complex long term lease in place. Zoe guided us through the bridging finance to ensure we could complete within the 6 weeks. Zoe became an essential point of contact,…
Thank you for assisting Essential 6 Ltd in negotiating a commercial mortgage with favourable rates enabling us to successfully complete on our new business premises. The guidance and commercial acumen that you provided was sound and greatly assisted us in the process.
I am so pleased that I decided to speak with you before starting my search for a lifestyle change. I had always thought I would like to run my own business and after many months and considerable research I decided that a B&B business would…
It was an absolute pleasure working with SWBF and we would highly recommend them to other companies seeking development finance. We were introduced to this amazing company after several stressful years of expensive failures trying to obtain funding on a development site with other agents.…
SWBF assisted one of my clients with raising finance. The team suggested a cost effective solution, and the finance was put in place with a very quick turnaround. There was regular and timely communication throughout, and personal service. I would not hesitate to recommend them.…
“Excellent Service across the board! SWBF have gone above and beyond to help us secure the best value finance available. They’ve secured us various financial products including: New Build Development Finance >£1m-£5m range Portfolio Finance >£1m A great team, with tried and tested experience from…
I consider your service to be excellent and will certainly use you again/ endorse to fellow colleagues.
You have been absolutely marvellous and thank you for helping me through this process. I will recommend you highly to anyone that needs your services.
We have recently completed the redevelopment of a 1 retail acre site and SWBF assisted us during the process giving us good advice and raising cost effective finance which importantly met our requirements. The team has extensive knowledge of the banking and finance industry and…
As a company involved in the acquisition of complex mixed use residential and commercial residential properties in Bath and the wider South West region, we require bespoke and occasionally complex finance Solutions to enable and support our progressive listed building purchases. SWBF provide insightful, esoteric…