Commercial Loan Case Studies
We have had many successes in the field of commercial loans and mortgages, here is just a small sample.
Read our blogs on this topic.
- 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
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We have had many successes with commercial loans and mortgages in partnership with our valued customers, here are a few interesting cases.
Commercial Mortgage Case Studies
Commercial loans and mortgages cover a variety of property types, from buy to let, to commercial premises and leasehold businesses, all are in different sectors of the market place. We take a quick look at this area of specialist loans.
The Owner-Occupier Commercial Mortgage
Our client was seeking a life style change and decided to purchase a small hotel. No immediate cash was available for a deposit however equity in their home (which was being sold) meant that we could arrange a 100% £475k commercial mortgage.
The Investment Commercial Mortgage
The senior partner in a small firm of solicitors approached us with regard to purchasing the offices that were currently rented. The property was bought with our help and an 85% ltv mortgage of £1.3m by the solicitors pension fund.
The Capital Raising Mortgage
Our client needed to refurbish the care home they had run for a number of years. The property was already mortgaged and the customer required a second charge loan. Having reviewed all the facts of the case, we realised that a lower cost first charge commercial mortgage would be the best option. The client agreed with the option we offered and a mortgage of £970k duly arranged .
The Buy-To-Let Investor
A UK national had moved permanently overseas but then decided to invest in UK residential buy-to-let properties. With no UK address diificulties arose finding decent mortgages for properties he had bought with cash. We took the extra effort to establish an account with a good buy-to-let mortgage provider that met all his needs. Value of first mortgage £135k.
The Serial Buy-To-Let Investor
The investor was running short of cash for deposits in the quest to grow his portfolio of buy-to-let investments. We worked through the investors portfolio to identify those properties without early redemption penalties and then of those remaining which could safely be remortgaged at a higher loan to value based on the rental income. Three properties were then remortgaged with a value of about £310k.
The Leashold Business Purchase
A fish & chip shop owner wanted to buy a second shop to expand his business. The buyer had a £48k deposit for the £120k purchase, we quickly arranged a low cost loan for the leashold purchase.
The Difficult Convenience Store and Post Office
A customer approached us without any cash wishing to purchase a small high street store. It quickly became apparent that the applicant didn't even have a bank account. After carefully discussing the case we were able to determine that sufficient security from a family member could be made available, so we arranged for the setting up of a bank account and £180k of leasehold finance to fund the purchase.