Commercial Mortgages

A Commercial Mortgage can be taken out to buy, extend, improve or re-mortgage business or buy-to-let premises.

A commercial mortgage can be a cost-effective way to fund many business activities. They can be used to develop an existing business through the purchase of increased office or factory space. A commercial mortgage can be used to buy an existing business with property attached, and can be used to fund investment in land and property used for commercial purposes.

Commercial mortgage interest rates are usually lower than those charged for other types of unsecured business loan and the repayments are usually made over a longer period, making the funding of the loan attractive to some businesses. Repayments can also be fixed, so you know exactly how much the cost will be each month.

THE OVERALL COST FOR COMPARISION IS 7.3% APR TYPICAL. THE ACTUAL RATE AVAILABLE WILL DEPEND UPON YOUR CIRCUMSTANCES. ASK FOR A PERSONALISED ILLUSTRATION.

Commercial mortgages are available for a wide range of business needs and properties. They are commonly used to purchase businesses such as restaurants and pubs where the business and property are sold as one. They are also used to fund business growth, typically for the purchase of additional office space and they can be used to buy land for business development, such as the construction of retail parks and business units.

Another positive is asset appreciation, over the term of your loan it is likely that the value of the building will increase.

100% of the purchase value is obtainable providing there is additional security. Adverse accounts and credit history problems maybe considered by some lenders, at a lower loan to value ratio.

We are able to source commercial finance for a huge cross section of businesses.

Remember we are not tied to any one lender and our independence allows us the flexibility to find the most suitable commercial mortgage packages available to you. Saving you time and money in the process.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE COMMERCIAL MORTAGES

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Independent Lending is a trading style of Vitty Alexander Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority for pure protection, residential mortgages and general insurance business. We do not charge a fee for residential mortgage advice, however there is an administration fee for processing each of your standard residential mortgage contracts. The typical administration fee is £499, of which £199 is payable on application and the balance on completion. For Buy to Let Mortgages a fee of 0.5% of the mortgage loan size applies, of which £250 is payable on application, with the balance payable on completion.

Trading Address and Registered Office: Westbrook House, Wreakes Lane, Dronfield, Sheffield S18 1LY
Registered in England and Wales Number 5479920

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

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