Commercial Mortgages
Commercial MORTGAGES
Commercial finance is available for UK-registered limited companies, LLPs, Partnerships, Sole Traders, and new companies (not yet incorporated).
Our team of advisers have extensive business and finance experience. We have ex corporate and commercial bankers in our commercial mortgage team who can arrange commercial finance tailored to your needs.
|
Business Type
|
Maximum LTV
|
Maximum Term
|
|---|---|---|
|
Agriculture
|
75%
|
25 YRS
|
|
Hotels
|
70%
|
15 YRS
|
|
Resturants
|
65%
|
15 YRS
|
|
COMMERCIAL PROPERTY INVESTMENT
|
70%
|
25 YRS
|
|
TRADING BUSINESS OWNER OCCUPIED
|
70%
|
25 YRS
|
|
DENTISTS
|
90%
|
25 YRS
|
|
DOCTORS
|
100%
|
25 YRS
|
|
OPTICIANS
|
80%
|
20 YRS
|
|
PHARMACIES
|
80%
|
20 YRS
|
|
Care Homes
|
80%
|
15 YRS
|
|
VETERINARY PRACTICES
|
100%
|
25 YRS
|
OUR SIX MAIN LENDING SECTORS / PRODUCTS
- Commercial Mortgage / Trading Businesses
- Commercial Investment Property
- Student Accommodation
- Development Finance
- Agricultural Mortgages
- Loans For Leasehold Businesses
MERCHANT FINANCE - INNOVATIVE FUNDING SOLUTIONS
- Repayments are flexible and based on your card sales
- You only repay when your business can afford it
- Borrow up to £50,000
- Decision in 48 hours with 90% approval rate
- No security or business plans required
We can arrange finance for:
- Convenience stores
- Petrol forecourts
- Warehouse / industrial units / factories
- Offices
- Garages / vehicle showrooms
- Food outlets / restaurants
- Pubs and Bars
- Student accommodation
Trading Business
Trading Business
We cater all trading sectors like petrol forecourts, grocery and convenience stores, restaurants and cafes, car workshops and garages, pharmacies, childcare business, care homes, dental practice, agriculture mortgage, etc.
Typically for commercial mortgages we will consider applications for up to 25 years with a maximum loan to value of 100% for professional sectors like GP practices. In other sectors these terms are different. We can also offer a tailored funding solution to satisfy all our clients’ funding needs. For instance we can arrange a fixed or variable rate loan, up to 2 year capital repayment holiday.
We can also offer innovative funding solutions like Merchant Cash Advance for retailers. We may also be able to place your application even if you have CCJ or arrears. This will depend on fulfilling certain criteria.
Tailored Loans for Trading Businesses
- Borrow from £100,000 to £100 million
- Select repayment period between two years to 35 years
- Loan available from 65% to 100% depending on business sector
- Fixed or variable rate available
- Protection against interest rate rises for loans over £150,000
- LIBOR linked rates available for loans over £150,000
- Protection against interest rate rises for loans over £150,000
- Capital repayment holidays for up to 2 year
- Defer up to 2 commercial mortgage loan repayments in any year
COMMERCIAL INVESTMENT PROPERTY
COMMERCIAL INVESTMENT PROPERTY
We lend to experienced property professional, inexperienced individual, partnerships or limited companies (both UK and offshore).
We can lend funds to purchase new commercial or semi commercial investment property or to refinance an existing property. We can even consider shorter rental lease terms if there is a demand to re-let your property.
We can offer loans on repayment basis where you repay both the capital and the interest. Alternatively, we can arrange interest only options for three to ten years. We can even arrange a part capital repayment loan for you. Borrow up to 70% of purchase price or value of the property.
Tailored Loans for investments
- Funding available for inexperienced individuals
- Funding for both UK and offshore structures.
- Loan available up to 75% LTV
- Loan size from £100,000 to £10 million
- Loan term from 3 years to 35 years
- Full repayment option, part capital repayment or interest only options
- Bank’s arrangement fee can be added to loan
- No restriction on number of investment properties that you can hold
DEVELOPMENT FINANCE
DEVELOPMENT FINANCE
We arrange funding through specialist banks, private equity firms, and consortiums interested in the finance and development of residential and commercial sites.
The team at Berks Finance can help you whether you are an experienced developer or working on your first project, whether you are developing single plots or apartments, or with workspace development and regeneration projects.
We can arrange up to 75% of the loan to purchase the site, and up to 100% of the cost to build, which is paid out as the project progresses. This is where our mezzanine finance product plays an important role in bridging the funding gap and cash flow shortfalls. It also helps reduce the amount of capital deposit needed to get a project going.
We can arrange a loan anywhere from £100,000 to £100 million.
TAILORED FUNDING FOR DEVELOPMENT PROJECTS
- Property development finance up to 75% of GDV
- Top up finance from 80% to 100% for cash flow shortfalls
- Loans from £100,000 to £100 million
- Available to inexperienced and experienced property developers
- Single plot development to large housing developments
- Improved return on capital via mezzanine financing
- Funds for partially completed developments
- Access to private funders
- Solution for poor credit history
