Commercial Mortgages
Spread the costs over 5 to 25 years
A Commercial Mortgage is a loan for businesses for the purpose of procuring, developing or refurbishing a property. Vision Asset Finance offer three types of Commercial Mortgages.
1. Commercial Owner-Occupied Mortgages
- Available over a term of 5 to 25 years
- Mortgage amount available from £150,000 to £5,000,000
- Capital & Interest repayments, up to 2 year Capital Repayment Holiday (CRH) available
2. Semi-Commercial Mortgages
- Available over a term of 5 to 25 years
- Mortgage amount available from £150,000 to £5,000,000
- Capital & Interest repayments. Interest Only (5 to 10 year term)
3. Commercial Investment Mortgages
- Available over a term of 5-25 years for capital repayment mortgages
- Available over a term of 5-10 years for interest only mortgages
- Mortgage amount available from £150,000 to £5,000,000
- Capital & Interest repayments. Interest Only (5 to 10 year term)
What can a Commercial Mortgage be used for?
- Professional Practices
- Offices
- Warehouses/ Industrial Units/ Factories
- Mixed Use/ Multi-Let (exc Residential and Retail)
- Retail Units with Commercial Uppers
- Retail Units with Residential Uppers
- Retail Units (Lock Up)
- Garages/ Vehicle Showrooms
- Food Outlets/ Restaurants
- Student Accommodation
- Childrens Day Nurseries
- Convenience Stores
- Hotels/ Public Houses/ Guest Houses/ B&Bs
- Leisure
Why arrange a Commercial Mortgage through Vision Asset Finance?
- A Commercial Mortgage generally has lower interest rates than unsecured borrowing. Fixed monthly repayments allows for effective and accurate forecasting.
- Significant capital gains can be made whenever you buy a commercial property, due to the trend of rising property prices. A large amount of capital could be made when you choose to sell the property.
- Some may view renting as money wasted, although it may be favourable in certain situations, a commercial mortgage allows you to increase your equity in the property with each payment giving you a tangible asset at the end of the mortgage.
Apply below or contact our business loan team today on +44 (0)28 2565 6000 to ensure you get a competitive finance option.
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