Commercial Mortgages

Whether you are a property developer or looking to buy some premises for your business we can help.

With property prices continuing to rise and interest rates holding steady, now is a great time to buy commercial premises. It’s definitely a far better option than writing-off money every month paying rent. There can be a tax advantage in buying and leasing-back to your business, as any accountant will tell you. And, in years to come, when you eventually sell it, the value of the building might be worth more than the actual business. Think of it as a bricks-and-mortar pension plan! In the meantime, if trading gets tough, it will also give you a ready source of finance.  If you are looking for development finance, we can even arrange 100% mortgages! That’s on the land and the development costs!

At CML we have negotiated exclusive rates with several lenders, giving us products you wouldn’t receive from many of the high street banks. We can even help clients who may have a poor credit rating or CCJ’s. All this means you can get on with running your business while we arrange the mortgage.

If you already own your premises, the chances are that it’s increased in value over the years. This means you have a pool of equity that CML can help you to release at any time and for any purpose .For instance, you might want to remortgage to ensure your business is benefiting from the best possible interest rate. If you have had a period of poor trading and accumulated a few debts, you might want to pay them off and make a fresh start.

Alternatively, every business would like a capital injection to spend on something. It may be to refurbish. To buy new equipment. Maybe an extension would be useful. You might need to increase your stock. Or even to buy another property and start a chain of businesses. We don’t make stipulations as to what the funds are to be used for. It’s entirely up to you.