Commercial Finance Help

At Alpas Finance Ltd we have excellent access to specialist commercial and semi-commercial lenders for a wide range of purposes. A commercial mortgage can potentially be used for many different circumstances, including:

Lenders will often see commercial mortgages as a higher risk compared to a standard residential mortgages, so it is typical to expect higher interest rates than a residential mortgage. However, it is often the case that they offer lower interest rates than an unsecured business loans. This is due to the lender holding a charge over your commercial property as security.

Owner-occupied commercial mortgage

This is when a commercial mortgage is used to purchase a property to be used by your own  business to trade from. This type pf mortgage could be used to purchase a premises your business already trades from, or for a new property to move in to.

Commercial investment mortgage

This is when you buy property as an investment. For example, when you buy a commercial property or ongoing business to then rent out. A commercial mortgage can also be used to purchase or refinance semi-commercial (mixed use) property that has both commercial and residential use (such as a and office or shop with a flat above that is let out). These are referred to as Semi-Commercial Mortgages.

Whatever your circumstances and objectives, we can have a chat through your plans and best advise you on the right type of mortgage to meet your needs. We have access to a wide range of UK commercial lenders that can consider a variety of different property types and client objectives.

Can a commercial mortgage help you buy your next premises, raise funds for your next project or buy your next commercial investment property? .. contact us now to talk through your plans and we will be happy to look at your possible options

Commercial Finance