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Commercial Mortgages

Whether you are starting an exciting new business venture, expanding an existing company, looking to buy a commercial premises or release equity from an existing commercial mortgage – Ascot Mortgages can help you to find the ideal solution. Commercial mortgages are more complicated than residential mortgages, so having an experienced commercial mortgage broker in your corner could potentially save you significant sums in interest and charges.

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Why apply for a commercial mortgage?

The advantages of owning your own business premises are plentiful; often monthly repayments are generally likely to be the same or even lower than rental premises. In addition interest payments on your mortgage are tax deductible and you may be able to sublet any spare space, creating revenue, or even expand without the hassle of relocating. With the benefits of a commercial mortgage clear, you can rest assured that Ascot Mortgages can navigate the complexities to get you the best mortgage, efficiently and at the right price!

Here at Ascot Mortgages we can match the mortgage to your requirements and circumstances and, as we arrange the best option for you, removing the hassle and leaving you free to concentrate on your business. Commercial mortgages are often more complex than residential mortgages, with more detail and lengthy paperwork to go through, but we can offer you a bespoke package. The other major advantage to taking out a commercial mortgage is the range of options that the market offers you, which our experienced, knowledgeable staff are able to explore fully for you.

Using a commercial mortgages broker such as Ascot Mortgages

Whatever the reason for you choosing a commercial mortgage, rest assured that Ascot Mortgages will be the right choice for your business. We are established,commercial mortgage brokers, meaning that we can access all the best lenders and therefore offer you the best deal available. We offer a rapid response to enquiries, meaning that we can quickly point you in the right direction, combined with the expertise that we have, means that Ascot Mortgages are the right choice for your business.

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The type of commercial mortgage for your business

Often commercial mortgages are based on the type of business that you have, however most lenders will look at the loan to value ratio and we can tailor your mortgage around how much capital you have to invest, meaning that you get the best deal for you. Mortgages can run from 1 year to 30 years and can require a deposit of anything between 25%- 40% of the total property value, although there are options to significantly reduce this if you own another property with significant equity to offer as security. Often lenders will let you pay the interest on the mortgage either monthly or quarterly, meaning that you can tailor the payments to suit your financial circumstances. In addition, there is sometimes the option to take capital repayment holidays and you can often defer one or two payments in any given year, allowing you to match your payments to your business circumstances. There are two main types of commercial mortgages, a ‘business mortgage,’ sometimes known as an ‘owner-occupier mortgage,’ – if you are looking to buy your premises for the first time, perhaps for a new business venture. The other type is a ‘commercial investment mortgage,’ which is designed to enable the purchase of business premises for you to rent out. In addition commercial mortgage finance can be taken out either on a fixed rate, allowing you to budget easily or a variable rate meaning that the price you pay will be reflective of the market.