COMMERCIAL MORTGAGES
Arranging business finance or a commercial loan may be complex with many choices but getting it right is crucial and may save you money. Therefore it is imperative to get professional advice. Commercial Options have qualified and experienced personnel to help you assess the correct products to suit your needs.
RE-FINANCING
We also offer Re-finance packages and Bridging loans for our commercial clients. We work closely with our clients, to understand their long term goals and ambition. Our team will liaise with you to get a detailed understanding of your business needs. Once a re-financing package has been arranged we continue to monitor it, ensuring that you continue to get the best available deal based on your changing circumstances.
About Us
We are specialists within the commercial lending sector. We take the time and effort to find the right product for our clients and our objective is to deliver fast and simple finance packages and solutions to various commercial sectors including: shops, industrial units, engineering, agricultural and lettings.
Our flexible approach to commercial finance focuses upon the property security being offered and the repayment ability of the applicant.
Commercial
Commercial Property Mortgages for all types of property
We provide long term finance on properties including:
• Farms
• Pubs & Restaurants
• Shops
• Shops with living accommodation
• Hotels/Guest houses/Holiday lets
• Industrial units/Factories/Offices/Warehouses
They can be used for any purpose including:
• New business start-ups
• Business turnaround solutions
• Short term finance and debt consolidation
• Working capital raising
• Property improvement
• Business expansion
We are also able to arrange commercial Mortgages for companies with small CCJ's and defaults.
Our finance products are available with terms over 10-30 years, generally allowing you to secure up to 80% of the value of your property and have an option for self certification of income. It is important to distinguish that we provide a mortgage product and therefore the advance is made against the market value of the property, excluding goodwill and any fixtures or fittings.
We are able to lend up to 90% of purchase price for sitting tenants purchasing at a discount (subject to this not exceeding our LTV restrictions on valuation) and 100% advances can be made with additional security (either residential or commercial property) from the borrower. The product is available at margins set over Libor or Bank Base Rate and will depend upon the Loan to Value (LTV) and status of the applicant.
Bridging Loans
We are all hearing about the ‘current market conditions’ and the trouble that it brings but there are no lenders who are giving us the solution to our problems.
That’s where we can help! Ever considered using a Bridging Loan?
A Bridging Loan can be used for a variety of purposes, not just bridging that gap between a house sale and purchase.
A Bridging Loan can be used for:
• 100% funding (with additional security)
• Uninhabitable properties
• Self builds
• Repossessions
• Auction purchases
• Conversions
• Retail
• Offices
• Commercial
• BTL
• Short term capital raising
• Short term cash flow
• Property improvement
• Commercial Property Purchases
• Land Acquisition
• Development finance
Bridging loans can provide a short term solution to your financial situation. As the arrangement of a Bridging loan is much quicker and simpler to arrange than a conventional mortgage, it is ideal for a wide range of situations where funds are needed in a very short space of time. For cash flow emergencies or purchasing properties where quick turnarounds are required, a bridging loan may be a suitable answer to short term funding requirements. Other cash flow emergencies may also be solved with this form of short term finance solution, as a bridging loan can take as little as 24 hours to arrange.
CONTACT US
To discuss your needs, please feel free to contact us either by calling 01704 534 405 or 07944 319846
Commercial Options was established in 2003 by Tony Fairclough who has 25 years experience in financial services.
We are specialists within the commercial lending sector. We take the time and effort to find the right product for our clients and our objective is to deliver fast and simple finance packages and solutions to various commercial sectors including: shops, industrial units, engineering, agricultural and lettings.
Our flexible approach to commercial finance focuses upon the property security being offered and the repayment ability of the applicant.
Our particular area of expertise is non-conforming cases. We realize that the information and presentation to lenders is a considerable factor when applying for financial assistance. We take the time to compile a client portfolio which will aid in the application process.
With this in mind, Commercial Options staff form lasting and trusting relationships with each of our clients