Commercial Mortgages
Independent Lending can help you to buy your existing premises, refinance your current debt, or buy new property and take your business to the next level, whether you’re a limited company or an individual.
As an independent broker and commercial finance consultant, we are able to arrange competitive commercial mortgages for all types of property, including:
- Retail and Commercial units
- Semi-commercial premises with attached living accommodation
- Professional practice premises
- Offices
- Warehouses, industrial units and factories
- Hotels and licensed premises
- Residential investment property
- HMOS (Houses of Multiple Occupation)
- Care homes
- Land and agricultural buildings
Independent Lending has access to a range of mortgages and lenders who competitively tender for our clients’ mortgage applications, ensuring the best rates and terms available on today’s market.
The availability of commercial mortgages with a loan-to-value (LTV) ratio of up to 80% may broaden to 100% funding with additional security provision.
Our mortgage deals are structured to best cater to our client’s individual requirements, with a range of options including:
- Repayment and interest-only payment programmes
- Short and long-term repayment options
- Fixed and variable rates
- Arrangement fees included in the loan
- Short-term VAT loans are available, avoiding the need to fund VAT on a purchase from your business cash flow
- Government funding schemes and incentives
Refinancing Commercial Property
Commercial loans, unlike residential mortgages, can be used for a range of purposes, including business expansion, debt consolidation, purchasing of additional business premises, cash flow and property development.
For clients currently in ownership of business property and needing to raise funds swiftly, we will advise on remortgage options to effectively release available funds.