Direct access to over 200 lenders.

Commercial Loan

Although Commercial Expert Ltd accesses the majority of high street lenders,
there are many more options available, all with completely different criteria.

Commercial Expert Ltd has the knowledge and the expertise to access
the vast range of lenders including specialist funders, building societies and challenger banks.

A commercial loan (business mortgage or commercial loan) is a loan secured
against a property used for any legal business purposes.

Often it can provide a flexible and affordable solution. Giving you access to much needed capital.

A commercial loan is usually considered the best way
to finance the purchase of buildings or land for business purposes.

Did you know?

  • Term to 30 years available
  • 'Interest Only' available up to 75%
  • 100% LTV available (professionals only).
    Up to 80% on standard plans
  • 'Goodwill' taken into account
  • Accounts viewed EBITDA (Earnings before
    interest, taxes, depreciation and a mortization)
  • 1st and 2nd charges
  • Low ERC's
  • Rates from 2.35% (typical)

Express Enquiry

Complete our quick online enquiry form and one of our
specialists will contact you to discuss your specific options.

Express Enquiry

Case Study

Refinance & Capital Raising – London

Refinance and Capital Raising – Total Loan £508k

The situation: We were approached by the son of an existing client to refinance a flat he owned in London. The aim was to pay off existing lender and raise some additional capital for plans he had in place. There were a couple of key issues in that the rent did not support the level of borrowing required in terms of the lenders stress tests and due to not being on the voters roll and not being able to prove his address due to correspondence all being sent to the business address.

The solution: The father was added to the loan request and his salary was taken into account to support the shortfall on the rental stress. The client has been renting out and managing properties for over ten years, had a good credit history and good supporting income. The total loan was £508,250.00 on an interest only basis for five years.