Commercial Mortgages

Business mortgages (also known as commercial mortgages for owner-occupiers) are designed for individuals and companies purchasing or remortgaging a property to be used as a business premises. Business mortgages are also available on mixed use properties, i.e. part commercial, part residential such as shops with flats above.

As independent, whole of market brokers, we negotiate business mortgages with a range of lenders including major banks, regional and local building societies and specialist commercial asset lenders.
Rates for business mortgages are dependent on your industry sector and by your business’ performance and your own individual track record.

All finance for business mortgages is tailored to meet the borrower’s needs. Where suitable, elements of the commercial loan structures available to clients can include:

  • Interest-only mortgage periods
  • Long-term repayment mortgages with terms up to 30 years
  • Fixed, variable and hedged mortgage rates

Perfect Financial Services cover all types of commercial property and we understand the individual financing dynamics of the industry in which a business is involved. As a yardstick we can arrange business funding up to 80% loan to property value depending on trading performance and industry sector (and possible higher in some sectors!). 100% with added security.

We can arrange business mortgages for most types of business premises, and also arrange funding on niche propositions including but not limited to hotels and guest houses, health clubs, pub and restaurants, schools and care homes.

Perfect Financial Services is regulated by FCA, commercial mortgages and most buy-to-let and offshore mortgages are not regulated by the FCA.

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