Unlock Property Opportunities with our Commercial Mortgages

Tailored Financing for Your Business Property Ventures

Commercial Mortgages UK

Funding Guru specialises in providing strategic financing services for businesses investing in commercial properties. Whether acquiring, refinancing, or expanding your commercial ventures, our commercial mortgages offer flexibility and tailored options to suit your unique needs.

What is Commercial Mortgage

A commercial property mortgage provides funding for purchasing or refinancing properties intended for business use, such as offices, warehouses, or retail units. Whether you plan to occupy the space or lease it to other businesses, a commercial mortgage can help secure larger premises, purchase a leisure complex, or refinance existing properties to unlock cash for further growth and investment. Commercial mortgages are a sensible choice for businesses seeking expansion and unlock equity.

Key Features of Commercial Mortgage

Loan Flexibility

Choose loan amounts and terms that align with your business goals.

Competitive Interest Rates

Benefit from competitive rates for cost-effective financing.

Types of VAT Loans

Funding Guru offers various types of commercial mortgages to fulfil the diverse needs of businesses:

Thoughts from Matt

Commercial mortgages are a great choice if you want to transition away from renting your business premises, or you’re looking to unlock capital in all or part of a property you own.

There aren’t many cash buyers when it comes to property ownership. If you’re considering buying a property for business use, a commercial mortgage is your best option as you can make repayments over a period of time that suits you.

We’ve loaned hundreds of millions in commercial mortgage deals over the years to businesses in all sectors so get in touch.“

Matt Haycox
Founder and CEO, Funding Guru

How Commercial Mortgages Work

Once you’ve identified a suitable property or are considering refinancing an existing site, the next crucial step is to find a reliable lender. For properties intended for tenant occupation, the lender typically assesses the property’s ability to generate sufficient rental income, aiming for at least 150% of the mortgage payments. For instance, if your monthly mortgage payment amounts to £3,000, your rental income should ideally be £4,500 or more.

At Funding Guru, we have funded the acquisition and redevelopment of all range of properties in the UK, so we know the right mortgage for your needs. Even if we’re not the direct source of funding, our role as both a broker and lender confirms that we’ll find a suitable solution for you.

Application Process for Commercial Mortgage

Initial Consultation

Contact our team of experts for a consultation.

Document Submission

Provide details about your business, property, and financial standing.

Tailored Proposal

Receive a personalised financing proposal outlining repayment options and terms.

Fast Approval

Experience an expedited approval process for quick access to funds.

Why Choose Us

Tailored Solutions

Benefit from personalised and flexible financing solutions designed to meet the unique needs of your business.

Transparent Approach

Experience transparency at every step of the financing journey, ensuring clarity and confidence in your financial decisions.

Proven Success Stories

Join a community of thriving businesses that have achieved success with Funding Guru's financial expertise and support.

Industry Experience

Rely on a partner with extensive industry experience, providing you with insights and guidance to navigate the complexities of business finance.

Efficiency and Simplicity

Discover a streamlined process that makes obtaining business finance quick and efficient, allowing you to focus on what matters - growing your business.

Testimonials

"We have worked with Funding Guru for varied lending needs for over 10 years now. From arranging invoice finance, to leasing new vehicles, to cashflow assistance - Matt and his team never disappoint. When we first started our business securing finance was far from easy but Funding Guru provided solutions that few others couldn't and they have continued to support us as our business has developed and grown to an 8 figure turnover."

"Coming out of COVID our business, like most, wasn't in a great place. We hadn't been able to trade for over a year and finding finance options was proving difficult for us. Funding Guru was prepared to look at what a successful business we had been prior to the start of the pandemic, and what great opportunities lay ahead for us. The facility they provided solved our cashflow needs and allowed us to concentrate on being the UK's premier race team!'

"I knew Matt long before he was a lender, when he was building his own businesses and finding creative ways to finance his growth. So as soon as he started Funding Guru I knew there was only going to be one person to talk to about my own business finance requirements!"

"Fast funding. Helpful staff. No jargon. Highly recommended!"

Frequently Asked Questions

Who can apply for commercial mortgages?

Businesses of all sizes, from small enterprises to large corporations, can apply for commercial mortgages. Property investors and developers can also apply for commercial mortgages to finance their real estate projects. Lenders will consider factors such as the applicant’s creditworthiness, business plan, and the property’s potential for generating income.

How much can I borrow with a commercial property mortgage?

The amount you can borrow with a commercial property mortgage depends on the value of the property and your business’s financial health. Lenders typically offer loans that cover 70% to 80% of the property’s value. Funding Guru works with you to determine the best loan amount for your specific needs.

What are the typical repayment terms for commercial mortgages?

Repayment terms for commercial mortgages can vary but typically range from 5 to 25 years. The specific terms depend on factors such as the loan amount, the property’s value, and the borrower’s financial situation.

What is the interest rate on commercial mortgages?

The interest rate on commercial mortgages varies based on factors such as the borrower’s creditworthiness, the property’s value, and current market conditions. Commercial mortgage brokers like Funding Guru can help you secure competitive rates by connecting you with a range of lenders.

Can I use a commercial mortgage to refinance an existing property?

Yes, you can use a commercial mortgage to refinance an existing property. Refinancing can help you secure better interest rates, release equity for other investments, or restructure your debt to improve cash flow. Funding Guru offers tailored refinancing solutions to meet your business’s specific needs.

What are the benefits of using a commercial mortgage broker?

Using a commercial mortgage broker offers several benefits, including access to a wider range of lenders and loan products, expert advice on the best financing options for your needs, and assistance with the application process. A commercial mortgage broker can help you secure competitive rates and terms, saving you time and money.

How do I apply for a commercial property mortgage with Funding Guru?

To apply for a commercial property mortgage with Funding Guru, give us a call or fill out the application form on our website. Our team will review your application and work with you to find the best mortgage solution.

Contact Us

Unlock the potential of your commercial property ventures. Explore Funding Guru’s comprehensive Commercial Mortgage solutions today.