Commercial Mortgages are available for many purposes, here are just a few.
Restauranteurs, Hoteliers/ Guest Houses, Property Developers, Commercial Property Investment, Pubs, Post Offices, Franchises, Fast Food Outlets, Vets Practices, Buy to Let Portfolios, Holiday Lets.
Commercial
It’s usually the most flexible way to finance the purchase of land or property for your business.
It can give you improved cash flow. You get access to plenty of capital, but with relatively low initial payments.
You know your fixed monthly mortgage overhead in advance, which improves financial management.
You may pay less in mortgage payments overall than if you rented a property.
Your property may appreciate in value over time.
You might be able to gain extra income by sub-letting part of the property.
You get a tax advantage because interest payments on mortgages are tax-deductible, and are made using pre-tax funds, rather than being drawn from your after-tax profits.
What are Terms and Conditions like?
Most lenders like 20 –30% of the purchase price as a deposit, but it can be less – please talk to us about this.
Maximum commercial mortgage terms are typically 15 years for older properties and 20 years for new ones.
The Financial Services Authority may not regulate commercial mortgages.
We normally do not charge a fee for mortgage advice however a fee paying option is available. Our typical fee is 1.5% of the loan to be arranged although the actual fee will depend upon your circumstances and may be lower.
Think carefully before securing other debts against your home.Your home may be repossessed if you do not keep up repayments on your mortgage.
Professional Mortgage Services is an Appointed Representative of Personal Touch Financial Services Ltd, which is authorised and regulated by the Financial Services Authority
(FSA).
Commercial 
