Commercial Mortgages
Funding for either property developments and commercial purposes is still accessible. We do not offer advice on commercial mortgages but can signpost you to others for support.
A commercial mortgage in theory operates in the same way as a residential mortgage; ie the Mortgage Lender will want to assess you to ensure you have the means to repay the loan but the mortgage is taken out in the name of the business or in the name of the investor and figures borrowed may be based on the income of the individual or the business.
We have built good relationships with specialist mortgage lenders who do not have a presence on the traditional high street and can therefore secure funding when other traditional routes may not be accessible or feasible for you.
In some cases this means we will help with either arranging bridging finance or for development finance for the specific purpose of building a new property (or making major changes to an existing one.)
A commercial mortgage is a mortgage loan secured on any property which is not your residence. There are a variety of different commercial mortgages and the assessment and pricing for each type will vary according to the risk surrounding the property purchase.
In many cases, individuals purchasing a commercial property will utilise a commercial property mortgage but possibly in conjunction with a business loan in order to offer additional financing to secure the property they need.
So depending on how you plan to use the property will dictate the type of mortgage that is available to you, the interest rates available and the level of borrowing you can make. There are also different mortgages for commercial properties and owner occupied properties.
Costs
There are a number of fees in addition to stamp duty that will be payable as part of the commercial mortgage transaction. In the same way as a personal property mortgage, there will be legal fees, arrangement fees and administration charges all likely to be incurred.
Stamp duty is a purchase tax with varied rates payable based on the property’s price. To get the latest rates, we recommend you check the Government’s website for information on non-residential property stamp duty rates
Commercial Remortgaging
If you already own a commercial property, you may be considering remortgaging the property to release equity that can be re-invested back into the business or to get a better mortgage rate.
Re-mortgaging can be a very cost-effective way of financing a refurbishment / expansion of the business, because mortgage rates will typically be cheaper than other commercial finance options.
As per your personal property, you may wish to re-mortgage your commercial property to obtain a better mortgage rate / deal than your current existing mortgage. This is potentially valuable if you have had your current mortgage for some time. A remortgage will involve providing new figures, projections and a valuation which could result in you being offered the chance to secure a better deal and interest rate if your position has improved.
It may be possible to consolidate other debts into your commercial mortgage, and so remortgaging may give you a more manageable monthly payment (by spreading the repayment over a longer period.) However, you should be aware that you could pay more interest in the long-term.
Read some of our blogs specifically about Commercial
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Excited for Army V Navy rugby at Twickenham! Who`s your bet on? Andy`s team Army, Amanda`s team Navy, and the rest of us? We`ll be busy enjoying the ice-cold refreshments! 🍻
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#armyvnavy #armyvnavyrugby #armynavy #armynavyrugby #twickenhamstadium #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness
Excited for Army V Navy rugby at Twickenham! Who`s your bet on? Andy`s team Army, Amanda`s team Navy, and the rest of us? We`ll be busy enjoying the ice-cold refreshments! 🍻
...
#armyvnavy #armyvnavyrugby #armynavy #armynavyrugby #twickenhamstadium #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness
House hunting this weekend? It can be easy for things to slip your mind when you arrive at a house viewing. So, before you head out, create a list of your must-haves and questions to ask.
Here are some things you might want to include:
🔹 Take a walk around the neighbourhood, does it have the sense of community and the amenities you`re looking for?
🔹 Ask about the fixtures and fittings included in the sale.
🔹 Enquire about any work done to the house and if proper permission was sought.
🔹 Keep an eye out for any signs of damp, plumbing issues, electrical problems, or ageing to the roof.
🔹 Imagine yourself living in the space. Is there enough space for your furniture and belongings? Are the sockets in convenient places?
🔹 Most importantly, ask yourself if it`s the type of place you want to call home.
Do you have other house-hunting tips to share? Leave them in the comments below! And remember to save this for later.
...
#housebuyingtips #houseviewing #housebuying #movehouse #ukmortgages #mortgageadvice
House hunting this weekend? It can be easy for things to slip your mind when you arrive at a house viewing. So, before you head out, create a list of your must-haves and questions to ask.
Here are some things you might want to include:
🔹 Take a walk around the neighbourhood, does it have the sense of community and the amenities you`re looking for?
🔹 Ask about the fixtures and fittings included in the sale.
🔹 Enquire about any work done to the house and if proper permission was sought.
🔹 Keep an eye out for any signs of damp, plumbing issues, electrical problems, or ageing to the roof.
🔹 Imagine yourself living in the space. Is there enough space for your furniture and belongings? Are the sockets in convenient places?
🔹 Most importantly, ask yourself if it`s the type of place you want to call home.
Do you have other house-hunting tips to share? Leave them in the comments below! And remember to save this for later.
...
#housebuyingtips #houseviewing #housebuying #movehouse #ukmortgages #mortgageadvice
Choosing the right mortgage can be daunting, but making a smart decision is really important for your financial health.
So, let`s break down the difference between fixed rate and variable rate mortgages.
🔒 Fixed rate
The interest rate is fixed for an agreed period of time (usually between two and five or ten years).
While the interest rates are usually higher than for variable mortgages, you have the security of knowing it won’t rise.
📈 Variable rate
The interest rate can go up or down in accordance with the lender`s base rate.
This means that your monthly payments may fluctuate, but you could potentially benefit from lower interest rates if the base rate drops.
We`re here to help you weigh the pros and cons for your unique situation. Don`t hesitate to reach out with questions, and hit follow for more tips.
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
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#firsttimebuyeruk #firstimehomebuyers #propertyladder #firsttimehomeowners #firsttimebuyertips
Choosing the right mortgage can be daunting, but making a smart decision is really important for your financial health.
So, let`s break down the difference between fixed rate and variable rate mortgages.
🔒 Fixed rate
The interest rate is fixed for an agreed period of time (usually between two and five or ten years).
While the interest rates are usually higher than for variable mortgages, you have the security of knowing it won’t rise.
📈 Variable rate
The interest rate can go up or down in accordance with the lender`s base rate.
This means that your monthly payments may fluctuate, but you could potentially benefit from lower interest rates if the base rate drops.
We`re here to help you weigh the pros and cons for your unique situation. Don`t hesitate to reach out with questions, and hit follow for more tips.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#firsttimebuyeruk #firstimehomebuyers #propertyladder #firsttimehomeowners #firsttimebuyertips
Considering paying off your mortgage early? Here are some key things to consider:
🔹 If you have an incentivised or discounted mortgage deal, paying it off early could lead to hefty penalties.
Before making a decision, be sure to calculate if the potential interest savings outweigh the early repayment charges.
🔸 Take into account your mortgage interest rate compared to other types of borrowing.
If you have other loans or credit card debt with higher interest rates, it might be better for your overall financial health to pay those debts off first.
🔹 Ensure that it makes financial sense for your specific circumstances.
If you stand to lose a significant amount of money, it’s clearly not a good idea, regardless of how good it might sound to say that you’re mortgage-free.
We`re here to guide you through the various pitfalls involved in obtaining a mortgage, remortgaging and even paying off your mortgage.
And the best bit is... We don`t charge a broker fee!
Tap the link in our bio to learn more or call us on 0800 612 5596.
And remember to save this for later!
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#payoffmortgage #payoffdebt #homeownerlife #homeownertips #homeownergoals #moneytips
Considering paying off your mortgage early? Here are some key things to consider:
🔹 If you have an incentivised or discounted mortgage deal, paying it off early could lead to hefty penalties.
Before making a decision, be sure to calculate if the potential interest savings outweigh the early repayment charges.
🔸 Take into account your mortgage interest rate compared to other types of borrowing.
If you have other loans or credit card debt with higher interest rates, it might be better for your overall financial health to pay those debts off first.
🔹 Ensure that it makes financial sense for your specific circumstances.
If you stand to lose a significant amount of money, it’s clearly not a good idea, regardless of how good it might sound to say that you’re mortgage-free.
We`re here to guide you through the various pitfalls involved in obtaining a mortgage, remortgaging and even paying off your mortgage.
And the best bit is... We don`t charge a broker fee!
Tap the link in our bio to learn more or call us on 0800 612 5596.
And remember to save this for later!
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#payoffmortgage #payoffdebt #homeownerlife #homeownertips #homeownergoals #moneytips
Being a small team that really loves helping people buy, remortgage, and protect their homes, we couldn`t be more proud to be rated 5 stars on Trustindex! 🌟 With over 230 reviews from happy clients, it just goes to show the care and expert knowledge our team put into their work.
And the best bit? We don`t charge a broker fee!
Tap the link in our bio to learn more, or give us a call on 0800 612 5596 to arrange a chat.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #ukpropertymarket
Being a small team that really loves helping people buy, remortgage, and protect their homes, we couldn`t be more proud to be rated 5 stars on Trustindex! 🌟 With over 230 reviews from happy clients, it just goes to show the care and expert knowledge our team put into their work.
And the best bit? We don`t charge a broker fee!
Tap the link in our bio to learn more, or give us a call on 0800 612 5596 to arrange a chat.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #ukpropertymarket
It`s no secret that improving your home is a great way to increase it`s value, and the benefits extend beyond the indoors.
By transforming your outdoor space, you will add value and create an inviting oasis for entertaining and unwinding.
Need to free up some cash to bring your dream space to life? A remortgage could be the solution!
Get in touch and we`ll evaluate your situation and help you make informed decisions on the remortgage options available to you.
And did we mention - we don`t charge a broker fee!
Send us a DM or call us on 0800 612 5596 to chat with one of our mortgage advisors.
...
#loveproperty #houseowner #homeownerlife #homeownertips #homeimprovement #loveyourhome #moneymanagementtips
It`s no secret that improving your home is a great way to increase it`s value, and the benefits extend beyond the indoors.
By transforming your outdoor space, you will add value and create an inviting oasis for entertaining and unwinding.
Need to free up some cash to bring your dream space to life? A remortgage could be the solution!
Get in touch and we`ll evaluate your situation and help you make informed decisions on the remortgage options available to you.
And did we mention - we don`t charge a broker fee!
Send us a DM or call us on 0800 612 5596 to chat with one of our mortgage advisors.
...
#loveproperty #houseowner #homeownerlife #homeownertips #homeimprovement #loveyourhome #moneymanagementtips
Getting a mortgage on a non-standard property may involve higher interest rates or larger deposit requirements, but with careful planning and expert help, your homeownership dreams can become reality!
Our team of experts are on hand to connect you with accommodating lenders and help negotiate favourable terms. Click the link in our bio to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #housebuying #mortgagetips #ukmortgages #mortgagespecialists
Getting a mortgage on a non-standard property may involve higher interest rates or larger deposit requirements, but with careful planning and expert help, your homeownership dreams can become reality!
Our team of experts are on hand to connect you with accommodating lenders and help negotiate favourable terms. Click the link in our bio to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #housebuying #mortgagetips #ukmortgages #mortgagespecialists
There`s no one-size-fits-all calculation to determine how much you can borrow. It depends on several factors:
👉 The cost of the property you`re looking to purchase.
👉 The size of your deposit.
👉 Your income and financial affordability, which considers your monthly commitments and any future obligations.
These factors, combined, will determine your eligibility and help shape the amount you can borrow.
We know navigating the mortgage process can be overwhelming, but we`re here to lend a hand. Our friendly advisors can help you understand your eligibility and guide you towards making informed decisions about your mortgage.
Our advice to you is FREE, so get in touch for a chat - call us on 0800 612 5596 or visit our website to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#buyingahouse #mortgageadvice #mortgagetips #mortgagebroker #firsttimebuyertips
There`s no one-size-fits-all calculation to determine how much you can borrow. It depends on several factors:
👉 The cost of the property you`re looking to purchase.
👉 The size of your deposit.
👉 Your income and financial affordability, which considers your monthly commitments and any future obligations.
These factors, combined, will determine your eligibility and help shape the amount you can borrow.
We know navigating the mortgage process can be overwhelming, but we`re here to lend a hand. Our friendly advisors can help you understand your eligibility and guide you towards making informed decisions about your mortgage.
Our advice to you is FREE, so get in touch for a chat - call us on 0800 612 5596 or visit our website to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#buyingahouse #mortgageadvice #mortgagetips #mortgagebroker #firsttimebuyertips
We`ll NEVER charge you a broker fee!
As a company, we believe everyone should have access to quality financial advice, regardless of their financial status 🤝
Visit our website to learn how we can help you find the right mortgage for your needs (🔗 in bio)
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#wellingtonsomerset #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #nobrokerfee
We`ll NEVER charge you a broker fee!
As a company, we believe everyone should have access to quality financial advice, regardless of their financial status 🤝
Visit our website to learn how we can help you find the right mortgage for your needs (🔗 in bio)
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#wellingtonsomerset #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #nobrokerfee
There are so many types of insurance out there 🤯 It can be hard to know what type of protection is needed for you and your family. But we`re here to help.
Here`s how it works:
1. We`ll have a chat to really get a good idea of who you are, your lifestyle, your dependants and your plans.
2. We`ll analyse the information you`ve given us to determine the kind of policies suitable for you.
3. We`ll search all the available protection policies from the UK’s top insurers and make a shortlist of those that provide the right cover for your needs.
4. We`ll guide you through the shortlist and answer any questions you might have. If you want to proceed, we`ll deal with the insurers on your behalf to get your policies in place.
Check out the link in our bio for more information, or call us on 0800 612 5596 for a chat.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#insurancebroker #homeinsurance #lifeinsurance #contentsinsurance #incomeprotection #criticalillnesscover #buildingsinsurance
There are so many types of insurance out there 🤯 It can be hard to know what type of protection is needed for you and your family. But we`re here to help.
Here`s how it works:
1. We`ll have a chat to really get a good idea of who you are, your lifestyle, your dependants and your plans.
2. We`ll analyse the information you`ve given us to determine the kind of policies suitable for you.
3. We`ll search all the available protection policies from the UK’s top insurers and make a shortlist of those that provide the right cover for your needs.
4. We`ll guide you through the shortlist and answer any questions you might have. If you want to proceed, we`ll deal with the insurers on your behalf to get your policies in place.
Check out the link in our bio for more information, or call us on 0800 612 5596 for a chat.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#insurancebroker #homeinsurance #lifeinsurance #contentsinsurance #incomeprotection #criticalillnesscover #buildingsinsurance
Let`s dive into some of the benefits of switching to a new mortgage:
👉🏻 Remortgaging can allow you to take out a new loan with lower monthly repayments, reducing your outgoings and making your home 🏡 more affordable.
👉🏻 Remortgaging might mean you find a loan you could pay off more quickly ⏱, through making larger monthly repayments.
👉🏻 If your home has increased considerably in value since you took out your original mortgage 💰, you could now be enjoying a lower rate of interest.
👉🏻 If you need to borrow money for, say, home improvements 🔨or to buy a new car 🚘, or you’d like to consolidate your loans, remortgaging can allow you to do it.
Our Mortgage Advisors can evaluate your unique situation, helping you to make an informed decision on costs and savings. We`ll do the paperwork for you and we`ll be there to decipher the jargon and answer any questions you might have.
Oh and did we mention we don`t charge a broker fee! 🤩
Send us a DM or call us on 0800 612 5596 to chat to one of our mortgage advisors.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #homeownertips #mortgageuk #mortgageadvice #mortgageexperts #mortgagetips
Let`s dive into some of the benefits of switching to a new mortgage:
👉🏻 Remortgaging can allow you to take out a new loan with lower monthly repayments, reducing your outgoings and making your home 🏡 more affordable.
👉🏻 Remortgaging might mean you find a loan you could pay off more quickly ⏱, through making larger monthly repayments.
👉🏻 If your home has increased considerably in value since you took out your original mortgage 💰, you could now be enjoying a lower rate of interest.
👉🏻 If you need to borrow money for, say, home improvements 🔨or to buy a new car 🚘, or you’d like to consolidate your loans, remortgaging can allow you to do it.
Our Mortgage Advisors can evaluate your unique situation, helping you to make an informed decision on costs and savings. We`ll do the paperwork for you and we`ll be there to decipher the jargon and answer any questions you might have.
Oh and did we mention we don`t charge a broker fee! 🤩
Send us a DM or call us on 0800 612 5596 to chat to one of our mortgage advisors.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #homeownertips #mortgageuk #mortgageadvice #mortgageexperts #mortgagetips
Our expert team have access to a comprehensive panel of lenders, ensuring we find the right mortgage solution tailored to your needs.
We`ll guide you every step of the way, answering your questions and making the process as painless as possible. But don`t just take our word for it, here`s what Bella had to say:
"The service Andy provided was flawless. Andy is super efficient, extremely knowledgeable & personable. He was always available to answer any questions I had throughout the process & helped me get the best mortgage possible allowing me to buy my new home.
Thank you so much Andy for all your help, advice & support."
Want to see more? Tap the link in our bio.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#mortgageadvisor #nobrokerfee #dorset #dorsetbusiness #ukmortgages #mortgagespecialists
Our expert team have access to a comprehensive panel of lenders, ensuring we find the right mortgage solution tailored to your needs.
We`ll guide you every step of the way, answering your questions and making the process as painless as possible. But don`t just take our word for it, here`s what Bella had to say:
"The service Andy provided was flawless. Andy is super efficient, extremely knowledgeable & personable. He was always available to answer any questions I had throughout the process & helped me get the best mortgage possible allowing me to buy my new home.
Thank you so much Andy for all your help, advice & support."
Want to see more? Tap the link in our bio.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#mortgageadvisor #nobrokerfee #dorset #dorsetbusiness #ukmortgages #mortgagespecialists
