Our team can arrange finance to enable your organisation to purchase purchase or refinance commercial property, such as office buildings, retail space, or an industrial warehouse. This could be a commercial mortgage, a bridging loan, or development finance.
When taking out a commercial mortgage, organisations must provide detailed financial information and plans to the lender, and they may be required to put up collateral, such as the commercial property, to secure the loan. The lender will also assess the property being purchased or refinanced, to determine its value and the risk involved in the loan.
Contact us today to discuss your plans with our expert team.
A commercial mortgage operates similarly to a residential mortgage, but with some key differences. For example:
There are several different types of commercial mortgages available in the UK, including:
The type of commercial mortgage that is best for a particular organisation will depend on its specific needs and financial circumstances.
If you're interested in commercial property finance, Bluestone is a trusted provider that offers bespoke lending solutions to meet your specific needs. Our knowledgeable and experienced team will work with you every step of the way to ensure that you get the right solution.
With a commitment to transparency, flexibility, and excellent customer service, Bluestone is the ideal choice for organisations seeking a reliable commercial mortgage provider.
Contact us today to learn more about how we can help you achieve your goals.
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A commercial mortgage is a type of loan that is secured against a property or other asset. It enables organisations to borrow money to purchase or refinance commercial property. The property acts as collateral for the loan, and the lender uses the rental income generated by the property to repay the mortgage.
BS.202311.01FAQ24
A commercial mortgage can offer a number of benefits to your organisation, including lower interest rates compared to other forms of financing, longer repayment periods, and the potential for increased tax efficiency. Additionally, owning the property that your organisation operates from can provide you with greater stability and security.
BS.202311.01FAQ41
Commercial mortgages can be used to finance a wide range of commercial property types, including offices, warehouses, retail units, and more. To be eligible for a commercial mortgage, your organisation will typically need to have a strong financial profile, including a good credit rating, a solid business plan.
The repayment period for a commercial mortgage can range from 5 to 25 years, depending on the terms of the loan and the lender's requirements. The repayment schedule will typically include both capital and interest repayments, and these payments will impact your organisation's cash flow and financial statements. However, owning the property outright at the end of the loan period can provide long-term benefits for your organisation.
BS.202311.01FAQ72
Some lenders may charge an early repayment fee if you choose to pay off your commercial mortgage ahead of schedule. This fee can range from a few hundred to several thousand pounds, depending on the terms of the loan.
BS.202311.01FAQ11
We know finance can be complex and often it's easier to talk things through. Drop us a message or give us a call 0330 135 8660 and we'll get back to you ASAP.
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