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About The Loan

Commercial Mortgage

What are Commercial Mortgages?

Commercial Mortgages
Are you looking to expand your business, then a Commercial Mortgage might be right for you. Speak to our specialist Commercial Mortgage specialists on 01702 619 221

The applications for commercial mortgages can often take a long time to process, due to their more complex nature. This has led more and more people to consider Commercial Mortgages as an option to fulfill their business needs.

Commercial finance can be in the form of a mortgage from a lender used to either purchase a premises for your business or to purchase a commercial property with the intent to lease it to another business. As commercial finance is not regulated by the FCA, the uses for a mortgage are often more varied.

What type of Commercial Finance is best for me?

The main two types of commercial finance are Owner Occupied and Buyer Investment, however, mortgages can be used for a variety of reasons, such as

  • business expansion
  • property conversions
  • or just to inject some cash flow into the business

Who Are Commercial Mortgages aimed at?

Commercial Mortgage
Looking everywhere for the best Commercial Mortgage and rates! Then speak to our specialist business loan specialists on 01702 619 221

We understand that many professionals, whether a sole trader or running a Limited business may prefer to own a business premises rather than paying monthly rental costs. It gives stability to the business by owning an asset.

So whether you are looking to purchase your first commercial property or refinance an existing property Amber Mortgage Solutions can help you find the best deal.

Helping you get the best Commercial Mortgage

Amber Mortgage Solutions can help you compare commercial finance lenders and ensure that you get the best rates available. We ensure that the mortgage agreement is the most suitable for both the applicant and the lender, keeping both parties up to date throughout the application process.

Our commercial finance specialists are ready to help answer any questions. We can assist in tailoring your application to specific lenders to ensure you have the best chance of securing the finance you need. Call us today on 01702 619 221.

Owner Occupied and Buyer Investment

Owner occupied commercial finance is where the applicant is looking to secure finance on a property in which they themselves run a business, this could be a Doctor’s GP residence or a Guest House for example.

Buyer Investment is typically where commercial finance is secured by the applicant to purchase a property, however, they then lease the property or units within the property to other businesses.

Commercial Mortgage Rates

The majority of Commercial Mortgages are capped at 75% loan to value although this will be dependent on a number of factors.

These factors will include the type and profitability of the business applying and the type of premises offered as security. If the property is used for investment purposes, the lender will base the loan on the rental income received alongside the length of the lease agreement and quality of the tenant.

Frequently asked questions

We have complied below a list of frequently asked questions to help guide you to your next Commercial Mortgage;

If you need further information, please call our friendly team of bridging mortgage experts on 01702 619 221 who can guide you through the whole process from start to finish.

Why choose Amber Mortgage Solutions for your next Commercial Mortgage?

30 Day Free Trial then £14.99 monthly – Cancel Anytime

Amber Mortgage Solutions will ensure that you have a dedicated specialist assigned to your application, they will help explain the details of the mortgage and assist you with your application every step of the way. The will ensure that you understand the terms of the mortgage being offered and are aware of all fees incurred.

If you are interested in applying for a Commercial Mortgage or wish to discuss the services Amber Mortgage Solutions offer then call us today on 01702 619 221.

How We Work

  • To start with please either call us or complete the above application form
  • One of our specialist commericial finance consultants will be in touch with you to discuss your application
  • After we have your details, we will approach our lenders for the best schemes to suit you
  • We will then talk you through the details of your finance deal
  • 100% Secure, Confidential and hassle free

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Call Us On

01702 619 221

Open: Monday - Friday 8:30am - 5:00pm

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Quick FAQs

Take a look at our extensive FAQ section

For the answers to some of our most commonly asked questions, below.

The world of commercial finance can be confusing at times, with different types of mortgages available it can be difficult to know which solution is best for you. Amber Mortgage Solutions will take the time to understand your needs and circumstances to offer accurate and impartial advice on the best option available to you.
No, commercial property mortgages can be arranged for owner occupation or as an investment where you look to lease the property to another business.
Typically, lenders will only take into account the value of the property the mortgage is for and a mortgage will often be capped at 75% LTV. They will not look at any potential revenue which can be generated from the property when assessing a loan offer.
Usually, It is a loan to purchase a property which is primarily used for commercial or business activities.
Owner Occupied is where the borrower is purchasing a commercial property which they will be primarily using as a premise to run their business.Buyer Investment is effectively a commercial buy to let. The borrower will look to purchase a commercial property and lease the property or units within the property to other businesses.

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