Commercial and Business Mortgages

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Commercial and Business Mortgages

A commercial mortgage is probably the best way to finance the purchase of buildings and land for business purposes, it provides the most flexible and affordable finance solution.

Commercial mortgages are specialised due to the fact that the lender has a legal claim over the property until the loan has been repaid in full.

Mortgage loans of this type are tailor made for purchasing any commercial property used for business purposes including shops, factories, offices and warehouses. Commercial mortgages can also be used for taking over an existing business, purchasing a brand new building or buying land.

Although they often come with higher interest rates and more variables than residential mortgages, commercial mortgages are more flexible and can carry extra incentives for borrowers. With commercial mortgages, the lender has a legal claim over the property until the loan has been fully repaid.

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Remember when arranging a mortgage; always consider its effects on your cash flow and assets. This section will give you a general overview about Commercial Mortgages but it doesn't replace professional advice in any way. You should always consult your accounting and financial advisors before finalising a loan to get the maximum benefits and avoid any complications.

Remember when arranging a mortgage; always consider its effects on your cash flow and assets. This section will give you a general overview about Commercial Mortgages but it doesn't replace professional advice in any way. You should always consult your accounting and financial advisors before finalising a loan to get the maximum benefits and avoid any complications.

Here are the sections contained with our commercial mortgage guide.

• Advantages and Disadvantages of commercial mortgages
• How commercial mortgages work
• Payment Plans
• Don't forget to read the small print
• FAQs

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Benefits of a commercial mortgage

A commercial mortgage provides your business with a major asset that is likely to increase in value and offers a wide range of additional benefits. These include:

• The opportunity to consolidate expensive short-term finance
• The ability to raise money for working capital or an injection of cash flow
• A reduction in the costs of an existing commercial mortgage
• An opportunity to increase your earning potential through refurbishing, improving or expanding your business property
• Avoidance of exposure to just one lending source for both business banking and property investment
• Mortgage repayments may be similar to rental payments - therefore no need to budget for additional property expenditure or any increase in rent
• The interest on a commercial mortgage is tax-deductible

Are there any disadvantages?

A commercial mortgage is a long-term commitment and, similar to a residential mortgage, will need to be paid off over a period of 15 years or more.

However, it is vital to ensure all repayments are made on time. Failure to so will accrue additional interest and, if you continue to default on payments, can lead to your property being repossessed and a poor credit status.

For more information, tips and advice on mortgages in the UK then try our information section.

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