Our Mortgage Criteria
  • One hour decision in principle
  • No proof of income
  • Competitive interest from base rate plus 2%
  • Fast Payout
  • 85% LTV, 100% with extra security
  • Late payments, arrears, CCJ's, all considered
Contact Us Today!

Don't delay, why not talk to us on 0844 504 9866 or fill in our brief "contact" form here for a free initial consultation about commercial loans.

Case Studies

Why not take a look at some of the commercial mortgage finance deals we have completed recently.

Is a Commercial Mortgage right for Your Business?

As Commercial Mortgage Packagers we can find you the best deal so that you can acquire your commercial property or raise cash against premises you already own.

Why Own a Commercial Property

  • Providing your commercial mortgage account is kept in good order you retain all the benefits of ownership i.e. you will keep any capital appreciation that may accrue over the longer term.
  • A commercial mortgage is a low cost capital raising tool. Any cash used can be used for any legal purpose such as investing in your business or purchasing other investment properties.
  • Where working capital is a priority the mortgage can be tailored to maximise the cash available thereby leveraging your existing assets.
  • Interest payments are fully allowable against tax.
  • Mortgage payments are relatively stable, allowing a certain degree of cash flow control however where absolute certainty is required then a fixed rate loan should be considered, although these tend to be set at a higher rate than the prevailing variable rate.
  • Mortgage payments can be lower than renting depending on the property location.
  • Where a building has surplus space you could sub-let that area to another company, any rent could make a significant contribution to monthly mortgage payments.

As with any financial product there are always things to check & watch out for. Historically the size of any deposit required to buy a commercial property has fluctuated between 15%-30% depending on prevailing market conditions. In no particular order the other main considerations are:-

  • The level of any arrangement fee, note these tend to be higher where a discounted rate is offered.
  • Check out the minimum term of the mortgage and the cost of any Early Redemption Penalty (ERP), plus of course any standard exit charges that may apply once the minimum term has expired.
  • Make sure you know and understand what constitutes a mortgage default for your lender to minimise the chance of reposession should unforseen problems occur!

On that last point many businesses set up a seperate legal entity to own the commercial property or even have their pension fund acquire it. This is certainly worth consideration and you should contact an appropriate professional advisor such as your accountant to explore the possibility.

Contact AYC Financial to discuss all your commercial mortgage needs, we are here to help!


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