Commercial Mortgages

Commercial Investment Mortgages

Finance Angels can help with acquiring or refinancing commercial investment properties from first time commercial landlords to an experienced portfolio.

Commercial Trading Business Mortgages

Perhaps you’re buying your first business premises. You may be upgrading the space you already occupy. Or you’re ready to discuss creative ways to raise some capital through equity release. Whatever your situation, we will take the time to understand your business and find you an outcome that’s a great fit for you.

     Speak to us directly on 029 2067 4299

     Email us directly on info@finance-angels.co.uk

Start your commercial mortgage application here

In just minutes, we could be sourcing the perfect loan to help your business grow.

CHECK ELIGIBILITY

The key difference between a commercial property investment mortgage and a commercial trading business mortgage lies in the purpose of the loan and the nature of the property being financed. Here’s a breakdown:

Commercial Property Investment Mortgage

  • Purpose: This type of mortgage is designed for individuals or entities looking to invest in commercial property to generate rental income or capital appreciation. The property is typically purchased as an investment rather than for owner-occupancy.
  • Property Type: The property financed under this mortgage could be offices, retail spaces, industrial buildings, or other commercial real estate intended for lease to tenants.
  • Income Source: The primary source of income for the borrower is the rental income generated from leasing the property to tenants.
  • Lending Criteria: Lenders assess the property’s potential rental income, the borrower’s creditworthiness, and the property’s value. The loan terms are often longer and may have different interest rates compared to trading business mortgages.
  • Risk: Lenders consider the investment risk associated with the property, such as market demand for rentals in the area, potential for capital growth, and the borrower’s ability to attract and retain tenants.

Commercial Trading Business Mortgage

  • Purpose: This mortgage is for businesses looking to purchase a property for their own use, where they will operate their business. The property is an essential part of the business’s operations.
  • Property Type: The property could be offices, retail stores, warehouses, or other facilities that the business uses to conduct its operations.
  • Income Source: The business’s operational income, which comes from its trading activities (selling goods or services), is used to repay the mortgage.
  • Lending Criteria: Lenders focus on the business’s financial health, including cash flow, profitability, and the stability of the business model. The loan terms are often linked to the business’s performance and its ability to service the debt.
  • Risk: Lenders consider the viability of the business and its ability to continue generating income to meet the mortgage payments. The property’s resale value might be less of a focus compared to the business’s ongoing success.

Summary:

  • Commercial Property Investment Mortgage is for purchasing property as an investment to generate rental income.
  • Commercial Trading Business Mortgage is for purchasing property to be used as the operational base for the business itself.

The choice between the two depends on whether the property is primarily an investment or a tool for business operations.

The Finance Angels Customer Commitment

We believe in the power of real people.

We aren’t call centre automatons who tick digital boxes to make decisions. We begin with a friendly conversation about your business goals and how we can help you to achieve them. Then we work outwards from there.

We’re straight down the line.

Though we are a friendly bunch, don’t be fooled into thinking that makes us soft and fuzzy. Our job is to help you – and our approach to that is dogged and rigorous. We are consummate professionals, fully FCA compliant and we’re committed to getting results that make our customers smile. We’ll jump through hoops to help you achieve your aims.

We are skilled.

We know that it isn’t the first word that springs to mind when talking business borrowing. But encyclopaedic knowledge is nothing by itself. Sure, we know the quirks and intricacies of all of the lenders we work with, from major high street banks to niche speciality outfits. But our superpower is to get you the outcome you want, and that’s down to the application of a little flair: knowing who, why and how.