Commercial Mortgages: Large-scale funding for your business

Buy property - or refinance your existing property, and spread the repayments over up to 20 years

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Current Terms Available

invest in property

  • Terms up to 20 years
  • £50,000 – No Maximum
  • Up to 80% Loan to Value available
  • Rates from 2% over base rate

Flexible

  • Individual arrangements tailored to your circumstances
  • Adverse Credit – no problem
  • Repayments geared to your turnover
  • Repayment and interest only available

Raise large scale funding

  • Refinance existing property
  • Use funds for any business purpose
  • Purchase land, premises or investment property
  • Commercial, Residential and Land

Talk to Rangewell – the business finance experts

Commercial mortgages can let you buy premises or raise a high level of funding. We know all the commercial mortgage providers in the UK - we can help you find the most competitive commercial mortgage deal, however you want to use the funds..

If you want to buy commercial property, you need a Commercial Mortgage.

Commercial Mortgages take over where Business Loans finish, to provide large-scale finance. This finance is the obvious solution when you want to buy a property for your business or for investment - but a Commercial Mortgage could also provide a cost-effective way to raise funding for any other large-scale business cost.

What is a Commercial Mortgage?

A Commercial Mortgage is a loan secured on property and works much like a residential mortgage. If you want to buy premises or land for your business to use, or a property to let out or develop as an investment, it can provide the level of lending you need.

You can:

  • Buy the premises for your business to work in – building up a valuable business asset and increasing your security
  • Buy additional premises or land for expansion
  • Buy premises or land for development –new-build, conversion or refurbishment
  • Buy commercial or residential property to let out
  • Raise cash with a mortgage on land or buildings you already own – and use it for any purpose

Raise money for any business purpose

A Commercial Mortgage also lets you raise large-scale funding.

You raise a new Commercial Mortgage on your existing property. You receive a cash lump sum to use as you wish, and make monthly repayments until the loan is paid off. So, if you already own premises, such as an office, factory or other commercial facility, you can use it to raise money, providing a cost-effective way to invest in your business, buy another or deal with a temporary cash flow issue.

How much can you borrow?

Because of the legal and administrative costs, it is uneconomic to borrow less than £50,000 with a Commercial Mortgage, and some lenders have a minimum of £75,000 or more, but there is no set upper limit.

Typical loan-to-value ratios for a new business with no trading history will be a maximum of 50% of the purchase price. Owner-occupied businesses such as offices or shops can normally get a maximum loan-to-value of around 80%.

What will it cost?

Repayment options are similar to those for the residential market, but interest rates will be a little higher.

The actual rate you pay will be set by the lender on an individual basis. An established business with good prospects should be able to secure the most attractive rate.

There will be valuation, arrangement and legal fees.

Getting professional help with arranging a commercial mortgage can help you make substantial savings.

Why you need Rangewell to set up a Commercial Mortgage

Finding the most competitive mortgage deal across the entire market takes time and expertise.

At Rangewell, we have the expertise you need. We know the lenders who can offer the most competitive rates for all types of finance - including Commercial Mortgages. We can work with you to ensure that a commercial mortgage really is the solution you need, and look at the alternatives.

Then we can help you refine your application and present it to the most appropriate lenders.

Commercial Mortgages may be complicated to set up. We can help you through every step of the process.

REAL EXAMPLES OF WHAT WE CAN DO

  • Find the most competitive lender to help an accountancy firm to buy their offices

  • Helped a fish and chip shop to raise cash on their premises to buy another business

  • Source a commercial mortgage to allow a small marketing agency to buy an independent graphics studio

  • Find the most competitive mortgage deal to help a developer buy a run-down pub for conversion into flats

  • Help an industrial park operator secure funding on his site to buy adjacent land for expansion

Call us to see what a Commercial Mortgage can do for you

When you are considering large-scale funding, it is essential to get expert support. Coming to Rangewell means getting an expert team working with you.

We can explain the details, help you find the most appropriate lender, and help you develop your application to secure the most competitive rate.

Whether you want to buy property, or want the property that you already own to work for you, we are ready to help.

What people say about commercial mortgages...

When the opportunity to buy the premises came up, it was too good to miss - we're paying less each month and we'll own it outright.
You need to build a portfolio fast if you are serious about a property business. A commercial mortgage makes it possible.
We wanted to buy a competitor. Using a commercial mortgage secured on our factory gave us the cash we needed.

Helping you build your profits

Buy a property for your business

Commercial Mortgages can you buy your current business premises, or new premises to move into – and secure a valuable asset.

Buy an investment property

Commercial Mortgages can help you purchase a property to be let out – helping professional landlords and buy-to-let companies to build up a property portfolio.

Raise money on your existing property

If you already own business premises, you can a new Commercial Mortgage on it to raise money, providing a cost-effective way to invest in your business, buy another or deal with a temporary cash flow issue.

Versatile, cost-effective funding

Commercial Mortgages can be the most cost-effective way for your business to raise large sums of money for virtually any purpose.

Build a property portfolio

Commercial Mortgages can be the simple way to build a property portfolio, for residential or commercial buy to let or for development.

Gain an appreciating asset for your business

Buying your own premises can be a valuable asset for your business which could offer the prospect of capital growth.

Download Rangewell’s free and detailed guide to Commercial Mortgages

Rangewell Ebook - Download Rangewell’s free and detailed guide to Commercial Mortgages
  • How does a Commercial Mortgage work?

  • How can you use it to raise cash?

  • What are the costs?

  • What are the restrictions?

  • The downsides of Commercial Mortgages

  • Paperwork you need to provide with your application

  • Key terms to check

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Costs may be higher than you expect

Interest rates on a Commercial Mortgage are set on an individual basis and may be higher than a residential mortgage. Legal and other costs may also be higher.

You might pay, even if you don't accept an offer

Some lenders will charge a commitment fee. This is part of the arrangement fee, payable with your formal application, and non-refundable, to cover their work if you don't accept their offer.

The risk of loss

ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Our service is...

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Every type of finance for every type of business from the entire market - over 300 lenders.

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Specialist Finance Experts support you every step of the way.

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We make no charge of any kind when we help you find the loan you need.
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