Commercial property finance is a specialist, but growing area. As many of our clients have expanded their businesses, we have expanded our commercial finance service to help support their needs.
Because we’re independent we’ve been able to build excellent relationships within the commercial finance lending arms of major banks, new lenders and challenger banks.
If you are looking for finance to purchase the premises from which your business operates, then a commercial mortgage may be an option.
If you already own your business premises and you are looking to refinance, maybe you need funds for expansion, then we can help you with your refinance needs. We can help you look at ways of getting a more competitive loan or one with different repayment terms.
Recent trends and developments in peer-to-peer lending have opened up more options for business owners looking for short term and longer term borrowing.
As a result many traditional lenders have upped their game and there is now a much greater choice of rates and repayment terms.
Property investors may also need to access financing for redevelopment projects, properties with a mixed commercial and residential use, houses in multiple occupation (HMO) or a converted property where lending is available on the freehold title.
We can also arrange bridging finance, which is a short term loan secured on a property. It comes with a much higher rate of interest than a standard mortgage but allows for the swift completion of a purchase.
A bridging loan can also help fund an unmortgageable property and can help plug a finance gap and therefore stop a purchase falling through.
There has been recent innovation in this space too, with several lenders offering a Bridge-to-Let option for clients purchasing rental property to refurbish.
In most cases rates and fees are determined on an individual basis
Finance companies are very keen for these types of loans and interest rates have come down with these low funding costs conditions.
Independent James has been working with specialist and mainstream lenders across the market to access commercially viable rates for our clients.
Our long-standing relationship means we can offer competitive fees and terms on an interest only or repayment basis.
And as an independent broker we can work with the commercial finance departments of all major banks, all new lenders and the challenger banks.
Mr A Tucker, London
Some types of finance such as bridging, development, commercial and buy to lets may not be regulated by the Financial Conduct Authority.
Speed is of the essence in the purchase process and quite often can be a determinant factor for you in obtaining your dream property.
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