Freeing your business from sudden rent increases or securing bespoke or purpose-built premises for the long term can be appealing to businesses who want more control over their office or manufacturing space.
We work with professional landlords looking to arrange residential buy to let properties for all sizes of companies looking for an owner-occupied mortgage and commercial buy to let loans.
As mortgage specialists, we are perfectly placed to source the right lending solution for you.
As with domestic mortgages, once you have found the right property, moving quickly with a mortgage agreed in principle can enable your chosen premises to be taken off the market whilst contracts are agreed.
The key to a successful application of a commercial mortgage is at least two or three years trading history and a loan to value rate of around 50% for a standard mortgage. More established companies can obtain 80%, with 100% commercial mortgages available in certain situations.
Being able to secure a commercial mortgage has reduced our rental payments and enabled us to make changes to the building that improve our efficiency.
Just like owning a home, you can save money by ensuring you are within a fixed term with the lowest rates available to you from our database of leading lenders.
As your equity increases from value changes or reduction of your loan amount, you can access lower interest rates, which can help improve your business health and balance sheet.
If your mortgage is due for renewal, speak to a mortgage broker to review the whole market for the most appropriate remortgage package.
Many mortgage companies specialise in particular property types, providing preferential rates or detailed understanding which can be valuable in ensuring a swift arrangement – particularly for commercial buy to let investments.
Offices, Restaurants, Retail Outlets, Factories, Warehouses, Industrial Units, Care Homes, Owner Occupied Premises, Residential Portfolios and Specialist Buy to Let Flats under one freehold title are just some of the property types available for mortgage and remortgage by our specialist commercial lenders.
Less than a month ago I never thought it was possible but Sarah has made house buying for the first time as easy and as stress-free as possible. Always very professional and has gone above and beyond to make sure I fully understand what is happening at every stage.
Highly recommended. Sarah offers a friendly and efficient service. I have an extremely busy lifestyle, so had very little free time on my hands. Sarah made sure that she took care of everything while carefully considering my personal needs. I cannot recommend her services enough, she’s made buying my first home a doddle.
My mum gifted my partner and I her home and Trufe handled it. Sarah is so quick, thorough and professional she impressed all of us. Should I ever need a mortgage advisor in the future this is where I will go. Absolutely fabulous service and I heartily recommend them.
Getting the right mortgage can save you money, particularly when selecting a specialist lender that fits your companies financial circumstances.
Commercial mortgages are complex with different product types, various financial indicators considered along with the available deposit and trading history.
The team at trufe. are on hand to ensure we investigate the most appropriate solution for your scenario to achieve the right finance solution for your company.
Start a Quick & Easy Review with one of our expert Mortgage & Protection Advisors.
No matter what your financial situation we look to save you money every month with great deals that maximise your strengths with the very best providers in the market.