Loan

Credit News

Loan calculators financing commercial real estate, commercial loan calculator.#Commercial #loan #calculator


commercial loan calculator

Commercial Real Estate Loan Calculator

Calculate payments on financing commercial real estate loans to determine cash flow at different interest rates.

Call for more detailed information on your specific needs – or complete ‘quick application

Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Mixed Use Com/Res

Commercial loan calculator

Mobile Home Parks

THE COMMERCIAL STOP

Commercial loan calculator

Submit Quick App

Commercial Real Estate

Mortgages and Lenders

ALL Property Types

Commercial loan calculator

Commercial loan calculator

Automotive – Gas – Repair

Commercial loan calculator

Bar – Lounge – Pub

Commercial loan calculator

Bed Breakfast / Hospitality

Commercial loan calculator

Car Washes – All Types

Commercial loan calculator

Campgrounds RV Parks

Commercial loan calculator


Commercial Loans, Commercial Property Loans Finance, Low Doc, Commercial Loan Calculators, commercial loan calculator.#Commercial #loan #calculator


commercial loan calculator

Commercial loan calculator Commercial loan calculator

  • Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Commercial Loans from 3.40% for retail, office and industrial freehold for investors and owner occupiers. Development finance for retail and industrial units.

Refinance of commercial property loans for better interest rates and expired loan terms .

High LVR up to 80%, True Low Doc from 4.79%, credit impaired solutions, lease doc for investors and short term finance.

Solutions for small, medium and large scale business operations. We work with the major banks, non bank lenders and private finance investors.

Most major franchises funded. Business with strong financials and longevity in the market place

Working capital and receivable finance also available. Specialty businesses will also be considered on a case by case basis.

Car loans and lease available. Includes light and heavy commercial vehicle. Commercial hire purchase, novated lease and chattel mortgage options available.

Leasing for medical and dental equipment, farm/agricultural, computers and office equipment.

Low doc options available for those entities with a strong asset base for car loans, commercial vehicles and equipment leasing.

Online commercial loan calculators that can calculate interest only or principle and interest repayments. Total fees and loan costs are included in the calculation as well as the annualised interest rate. Calculate the total cost of your loan with this calculator as well.

We have a network of commercial loan brokers Australia wide to service your commercial finance needs. An experienced broker can work with you in your local area to find the right lending source and solutions for your commercial finance needs.

We have 100s of lenders and brokers Australia wide that assist you with your commercial loan enquiries. They can assess your circumstances, offer realistic solutions, compare loan options and help negotiate better deals for your commercial finance needs.

Due to the complexity and many variables associated with business loans we are unable to publish business loan interest rates.

Please complete the online Business Loan Quotes page accurately as possible so we can assign a business lending specilaist to discuss your business finance.

Please complete the online Lease Quotes form so we can assign one of our leasing specialists to discuss your finance needs.

Please Note: that the above interest rates are only examples. Interest rate vary according to security type, property type, borrow amount against the properties value, loan amount, location, use and purpose.

Commercial Loan Lenders

Here are just some of the lenders we use including non banks and private financiers.

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

About Smart Search Commercial Loans

Smart Search Finance commercial lenders and brokers offer realistic solutions from hundreds of retail banking products to all Australians. All mortgage brokers at Smart Search Finance are Accredited Mortgage Consultants of the (MFAA) and of the Credit Ombudsman Service Limited (COSL) for home loans, investment and commercial loans. Servicing major capital and regional centers’ in Sydney, Melbourne, Brisbane, Adelaide, Perth, Hobart, Canberra and Darwin. We can also service regional areas in Victoria (Vic), New South Wales (NSW), Queensland (Qld), South Australia (SA), Western Australia (WA) and Tasmania (Tas).

Comparison rates are based on a $250,000 loan for 25 years. This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

About us

Smart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. We compare home loans, investment loans, Self Managed Super Funds (SMSF) and commercial loans from a wide variety of lenders.

With access to hundreds of lenders and their representatives offering more than 3,000 products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market.

Commercial loan calculator

Pages

Keep Up To Date

Contact Us

If you require assistance relating to home loans, invetment loans, commercial finance or any questions about this website please feel free to contact us


Home Loans, Commercial Loans, 20 Years of Mortgages, Austral Mortgage, commercial loan rates.#Commercial #loan #rates


Austral Mortgage

Call today 1300 30 30 99

Mortgage Specialists for over 20 Years

Commercial loan rates

Commercial loan rates

Home Loans

First Home Buyers, Upgraders, Debt Consolidation or simply looking to refinance? Put yourself in a better place with an Austral home loan.

Commercial loan rates

Advantage Special 4.49%

Advantage Special 4.49% – Term Loan or 100% Offset – Fixed or Variable. Fast application processing, personal service. No ongoing fees or charges.

Commercial loan rates

Help Me Choose My Loan

Austral have 20 years experience guiding people to the right home loan. Let us help you choose the right mortgage for your circumstances

Commercial loan rates

Loan Calculators

Looking to buy a home in Australia and want to know your borrowing power? A mortgage calculator or home loan calculator will get you started.

Commercial loan rates

Commercial Loans

We have access to an extensive range of commercial loans – ideal if you are borrowing as an individual, partnership, company, SMSF or discretionary trusts

Commercial loan rates

Buying Property Using SMSF

The rules and regulations when borrowing through a Self-Managed Super Fund. This section outlines compliance, loan structure, competitive loans and more.

Commercial loan rates

Ask Vicky Mortgage Advice

Let Vicky’s 30 years of experience guide you. First Home Buyer advice, Investment Loans, Mortgage Calculators, Mortgage Refinancing and Debt Consolidation.

Commercial loan rates

About Austral Mortgage

Austral Mortgage, established in 1992 by Guy and Vicky Edema, is one of Australia’s most professional, friendly and trusted mortgage management companies.

Commercial loan rates

Compare our Home Loans

Check out the Austral suite of home loans, see all our residential mortgages side by side and compare our rates at a glance in one place

Want to Contact Your Mortgage Specialist? Enquire Now


Commercial Mortgage Rates Compared to Home Loan Rates, Commercial Loans – Commercial Mortgages, commercial loan rates.#Commercial #loan #rates


Borrowers

Commercial mortgage rates are typically about 50 to 100 basis points (0.50% to 1.00%) higher than the prime, 30-year residential mortgage rate. For example, suppose you could refinance your personal residence on a 30-year, fixed-rate basis at 4.0% today. If you are an “A” quality borrower, you could therefore expect conventional commercial mortgage rates from commercial banks to be between 4.50% and 5.0%.

Commercial mortgage rates on SBA loans and USDA loans are typically 2% to 2.5% higher than the prime residential mortgage rate. Therefore, if the banks in town are quoting 4.0% on 30-year home loans, you will probably pay between 6.0% and 6.5% for an SBA loan or a USDA loan. The commercial mortgage rates of life companies and conduits – because the loans are typically quite large ($3MM+) – are a little better than the commercial mortgage rates of the typical bank. You can expect to pay 35 to 75 basis points (0.35% to 0.75%) over the prime, 30-year residential mortgage rate.

Will the interest rate on your commercial loan be fixed or floating? If the lender making your commercial loan is a life insurance company or a conduit (CMBS lender), you can expect a fixed rate for the entire term of the loan, typically either five years or ten years. If the lender making your commercial loan is a bank, you can expect the rate to be fixed for the first five years and then be recalculated to market. Once your commercial mortgage rate is recalculated, the rate will be fixed for another five years. A few money center banks make mini-perms (two to three year first mortgages) tied to LIBOR or prime.

Commercial loan rates

Most commercial mortgage loans are amortized over 25 years, although if the property is older than 30 years old, the bank may require a 20-year amortization. After all, the building is not going to stand forever.

Most commercial loans have a term of either five years or ten years, at which point a balloon payment is due. SBA loans and USDA loans are typically fully-amortized over 25 years. Some conventional multifamily lenders will make 25 or 30-year fully-amortized commercial loans. The rate on such long-term apartment loans are typically recalculated every five years.

All commercial loans from life insurance companies and conduits (CMBS lenders) have a huge prepayment penalty called a defeasance fee. This is the one drawback of commercial loans from life insurance companies and conduits. I’ve heard of defeasance fees of over $1 million. Yikes! Fortunately the prepayment penalties of banks are far more reasonable, typically either around 3% or perhaps declining annually from 5% in year one to only 1% in year five.

Commercial loan rates

There have been some major developments regarding commercial mortgage rates recently. Historically the commercial mortgage rates offered by conduits were only about 45 basis points (0.45%) higher than those offered by life companies. When China unexpectedly devaluated its currency a few months ago, the shock introduced enormous volatily into the credit markets. Commercial mortgage-backed securities are fixed rate instruments, and fixed rate instruments perform poorly in a rising interest rate environment. With the Fed threatening to raise interest rates, the demand for commercial mortgage-backed securities has plummeted. Commercial mortgage rates from conduits are gyrating wildly from week to week.

The end result is that conduits can no longer to lock in a borrower’s commercial mortgage rate. To make matters worse, the spread between the commercial mortgage rates of life companies and conduits has increased to 75 to 200 basis points (0.75% to 2.00%). At a time when life companies are offering commercial mortgage rates of 3.875% to 4.5%, conduits are quoting 5.25% to 6.5%. By historical standards, this is a huge difference.

The wise commercial-investment property buyer will therefore get commercial mortgage rate offers from a variety of different lenders. There are some major money center banks that are offering some very competitive commercial mortgage rates using portfolio programs (they intend to keep these loans on their own books). The best way to see these offers is to enter your commercial mortgage loan request into a commercial mortgage portal like C-Loans.com. Our portal is free (its paid for by the participating lenders).

Commercial loan rates


National Alliance Of Commercial Loan Brokers, NACLB, commercial loan.#Commercial #loan


commercial loan

Commercial loan Commercial loan

Commercial loan Commercial loan

Commercial loanCommercial loan

The Largest Conference Dedicated To Commercial Loan Brokers and

Commercial Banks and Lenders

Commercial loan

The National Alliance of Commercial Loan Brokers is proud to announce its third annual conference this year at the

Gaylord Palms Resort and Convention Center in Orlando, Florida . This is our third year and we are expecting over

600 loan brokers and over 100 lenders to attend this record breaking event.

Commercial loan

Welcome

Over 600 of the nation’s top commercial loan, leasing and mortgage brokers will be converging on Gaylord Palms Resort Convention Center on October 17-19 to meet the top lenders and service providers that cater to the brokerage community. These brokers are responsible for over $5 billion in small business and commercial financing each year.

This NACLB annual conference will provide education and networking between brokers lenders and service providers.

However, the primary benefit of the conference will be to provide enormous growth opportunities for both brokers and bankers to grow their loan portfolios and increase revenues and profits.

Now is your chance to get DEAL FLOW, QUALITY ISO s and COMMERCIAL BROKERS

2016 Conference Highlights

SPONSORSHIP OPPORTUNITIES AVAILABLE

Presented By

Commercial loan

Commercial loan

Broker Attendee Benefits

  • Maximize earning potential by meeting the top broker focused lenders and service providers
  • Learn best-practices from top lenders and industry experts
  • Panel, general session, and over 16 individual class room style breakout sessions
  • Win over $75,000 in cash, prizes and gifts for various top producer and door prices
  • All meals including breakfast, lunch, cocktail hour, the “Awards Assembly” and the “Main Gala” included
  • Network with fellow brokers and reunite with CCTG training colleagues

Lender Attendee Benefits

  • Access over $5 billion in annual loan volume
  • Create new relationships with over 250 professional loan brokers
  • Market your distinct loan products
  • Exhibit and speaking roles available
  • Sponsor and host educational/instructional break-out sessions
  • See all available sponsor packages.

2017 Conference Sponsors

  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan
  • Commercial loan

CONFERENCE VENUE

Commercial loan

Gaylord Palms Resort & Convention Center

6000 West Osceola Parkway

Kissimmee, Florida 34746

Use the following reservation button to secure your room in order to receive our negotiated reduced room rate.

REGISTRATION

Whether you are a broker or a lender please use the following registration link to reserve your spot today.


Commercial Loans, Commercial Mortgage, commercial loan.#Commercial #loan


commercial loan

Commercial loan

Commercial loan

Commercial Loan Portal

to 750 Commercial Lenders

Commercial loans and commercial mortgage rates can be found inside this portal. This commercial mortgage portal allows you to apply to 750 commercial real estate lenders in just four minutes. You simply input your commercial loan request. The C-Loans System will then screen out all of the unsuitable commercial lenders and provide you with a list of 30 (or so) banks which are perfect for your particular commercial real estate loan request. You can then call these banks, life companies, conduits, REIT’s or hard money lenders directly or submit your commercial loan request electronically, six commercial lenders at a time. And C-Loans is free!

Ranked the most popular commercial mortgage portal by Commercial loan

Commercial loan

Commercial Loan Portal

to 750 Commercial Lenders

Commercial loans and commercial mortgage rates can be found inside this portal. This commercial mortgage portal allows you to apply to 750 commercial real estate lenders in just four minutes. You simply input your commercial loan request. The C-Loans System will then screen out all of the unsuitable commercial lenders and provide you with a list of 30 (or so) banks which are perfect for your particular commercial real estate loan request. You can then call these banks, life companies, conduits, REIT’s or hard money lenders directly or submit your commercial loan request electronically, six commercial lenders at a time. And C-Loans is free!

Commercial loanC-Loans Thanks: Alicia Gandy of Blackburne Sons Realty Capital Corporation

For Closing a $650,000 First Mortgage on a Strip Center in Tulsa, Oklahoma (More Info and Mini-App)

Commercial loan

Commercial Loan Portal

to 750 Commercial Lenders

Commercial loans and commercial mortgage rates can be found inside this portal. This commercial mortgage portal allows you to apply to 750 commercial real estate lenders in just four minutes. You simply input your commercial loan request. The C-Loans System will then screen out all of the unsuitable commercial lenders and provide you with a list of 30 (or so) banks which are perfect for your particular commercial real estate loan request. You can then call these banks, life companies, conduits, REIT’s or hard money lenders directly or submit your commercial loan request electronically, six commercial lenders at a time. And C-Loans is free!

Commercial loanC-Loans Thanks: Vito Piche’ of

Red Star Commercial Funding

For closing a $250,000 First Mortgage

on a commercial building in Atlantic Beach, NY


Commercial Loan Calculator – Interst Only Commercial Property and Bussiness Loans, commercial loan calculator.#Commercial #loan #calculator


Commercial Loan Calculator

Calculates commercial property loan and business loan repayments, total costs, fees, exit costs with monthly, fortnightly, weekly and interest only mortgage repayments.

Default calculation is “interest only” and monthly repayments over 15 years. Adjust values to suit your calculation.

When changing the repayment frequency repayments automatically change to principle and interest payments.

Calculate real annual interest rate for your loan based on interest rate and fees paid.

Need Help?

If you require help with commercial loan calculations or anything related to commercial finance please click the button below for assistance.

How To Use This Calculator

1. Loan Amount – Estimate of how much you would like to borrow – not sure find out how much you can borrow

2. Number of Years – Enter the number of years to pay the loan

3. Fixed or Intro Term (optional): Insert the fixed rate term in years or the introductory rate or honeymoon period. Expressed in years

4. Fixed or Intro Term Interest Rate (optional) – Insert the fixed interest rate term or the introductory rate or honeymoon period.

5. Ongoing Interest Rate – Insert the interest rate. If there is a fixed or introductory period insert the interest rate after the period has ended.

6. Repayment Frequency – Choose monthly, fortnightly, weekly or interest only and the repayments result will reflect your repayments for that period. Note that interest only payments are calculated per month. Click the following link if you would like to use a specific interest only mortgage calculator.

7. Application Fee – Insert the total upfront fees for the loan

8. Monthly Fees – Insert the ongoing monthly fee if applicable to the loan

9. Yearly Fees – Some lenders charge an annual fee for loans

10. Discharge Fees and or Early Exit Fees – Most lenders charge an discharge of mortgage fee between $150 and $900 when your mortgage has been discharged. Insert early exit fee penalties if you discharge your loan within the first 3 to 5 years.

11.Total Fees – This includes all the upfront, ongoing and exit fees associated with your loan.

12. Intro or Fixed Repayments- This is your monthly, fortnightly, weekly or interest only repayments for a fixed rate loan or introductory rate loan

13. Ongoing Repayments – This is your monthly, fortnightly, weekly or interest only repayments for the loan. If there is a fixed or introductory period then these are the repayment after the period has expired.

14. Interest Paid – This is the total interest paid over the term of the loan without making extra repayments, interest rate changes or using an offset facility.

15. Total Cost of Loan – This is the total cost of the loan and it includes all the upfront, ongoing and exit fees for that loan.

16. Comparison Rate – As described above

Important Note About The Calculator

This is an estimate only. It is provided for illustrative purposes only and is based on the accuracy of information provided. It does not constitute a quote. Results are based on amortised scheduled repayments and, once any discount or fixed rate period expires, applies the current variable rate for the remainder of the loan term. All applications for credit are subject to lenders normal credit approval criteria.

Need Help?

If you need help with a product or need more information we have lender representatives Australia wide that can help you with your enquiry.

About us

Smart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. We compare home loans, investment loans, Self Managed Super Funds (SMSF) and commercial loans from a wide variety of lenders.

With access to hundreds of lenders and their representatives offering more than 3,000 products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market.

Commercial loan calculator

Pages

Keep Up To Date

Contact Us

If you require assistance relating to home loans, invetment loans, commercial finance or any questions about this website please feel free to contact us


Commercial Loans, Commercial Property Loans Finance, Low Doc, Commercial Loan Calculators, commercial loan calculator.#Commercial #loan #calculator


commercial loan calculator

Commercial loan calculator Commercial loan calculator

  • Commercial loan calculator

Commercial loan calculator

Commercial loan calculator

Commercial Loans from 3.40% for retail, office and industrial freehold for investors and owner occupiers. Development finance for retail and industrial units.

Refinance of commercial property loans for better interest rates and expired loan terms .

High LVR up to 80%, True Low Doc from 4.79%, credit impaired solutions, lease doc for investors and short term finance.

Solutions for small, medium and large scale business operations. We work with the major banks, non bank lenders and private finance investors.

Most major franchises funded. Business with strong financials and longevity in the market place

Working capital and receivable finance also available. Specialty businesses will also be considered on a case by case basis.

Car loans and lease available. Includes light and heavy commercial vehicle. Commercial hire purchase, novated lease and chattel mortgage options available.

Leasing for medical and dental equipment, farm/agricultural, computers and office equipment.

Low doc options available for those entities with a strong asset base for car loans, commercial vehicles and equipment leasing.

Online commercial loan calculators that can calculate interest only or principle and interest repayments. Total fees and loan costs are included in the calculation as well as the annualised interest rate. Calculate the total cost of your loan with this calculator as well.

We have a network of commercial loan brokers Australia wide to service your commercial finance needs. An experienced broker can work with you in your local area to find the right lending source and solutions for your commercial finance needs.

We have 100s of lenders and brokers Australia wide that assist you with your commercial loan enquiries. They can assess your circumstances, offer realistic solutions, compare loan options and help negotiate better deals for your commercial finance needs.

Due to the complexity and many variables associated with business loans we are unable to publish business loan interest rates.

Please complete the online Business Loan Quotes page accurately as possible so we can assign a business lending specilaist to discuss your business finance.

Please complete the online Lease Quotes form so we can assign one of our leasing specialists to discuss your finance needs.

Please Note: that the above interest rates are only examples. Interest rate vary according to security type, property type, borrow amount against the properties value, loan amount, location, use and purpose.

Commercial Loan Lenders

Here are just some of the lenders we use including non banks and private financiers.

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

Commercial loan calculator Commercial loan calculator

About Smart Search Commercial Loans

Smart Search Finance commercial lenders and brokers offer realistic solutions from hundreds of retail banking products to all Australians. All mortgage brokers at Smart Search Finance are Accredited Mortgage Consultants of the (MFAA) and of the Credit Ombudsman Service Limited (COSL) for home loans, investment and commercial loans. Servicing major capital and regional centers’ in Sydney, Melbourne, Brisbane, Adelaide, Perth, Hobart, Canberra and Darwin. We can also service regional areas in Victoria (Vic), New South Wales (NSW), Queensland (Qld), South Australia (SA), Western Australia (WA) and Tasmania (Tas).

Comparison rates are based on a $250,000 loan for 25 years. This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

About us

Smart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. We compare home loans, investment loans, Self Managed Super Funds (SMSF) and commercial loans from a wide variety of lenders.

With access to hundreds of lenders and their representatives offering more than 3,000 products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market.

Commercial loan calculator

Pages

Keep Up To Date

Contact Us

If you require assistance relating to home loans, invetment loans, commercial finance or any questions about this website please feel free to contact us


Commercial Mortgage Rates #loan #bad #credit


#mortgage loan rates
#

Commercial Mortgage Rates

 The commercial loan rates below are for loan amounts between $400,000 and $8,000,000, on virtually all property types.  Amortization schedules range from 15 25 years.  The two charts are broken down by building types, general purpose properties, semi generic and special purpose properties.

Investor or Owner User

Investor or Owner User

Up to 65%

* Semi generic and special purpose properties defined as assisted living, automotive, bowling alleys, car dealerships, daycare, funeral home, oil lube center, restaurants, self storage. etc.

* Loan amounts from $400,000 to $8,000,000.

* No balloons. When fix period expires loan Re-Sets for the same period of time.

These loans re-fix themselves when the fix period expires, for the same length of time (I.e. a 5 year fixed loan, re-sets itself for another 5 years and does this for the full amortization schedule of the loan). There are no balloons. There are no costs or underwriting process for the borrower to incur when the re-set occurs.Credit scores as low as 650.

CMBS Small Balance Program Rates

Main benefits of the CMBS, small balance program include higher loan to value then bank financing (Up to 80%!), lower fees then SBA loans and longer fixed periods (Up to 30 years.)  This is not your local community bank programs!  Loan amounts from $500,000.


Commercial Mortgages #calculate #auto #loan


#best loan rate
#

What is a Commercial mortgage?

Commercial mortgages are used to buy business premises or to buy an existing business in its entirety.

Lenders generally require a deposit of around 25%-40% of the total value and mortgage terms can run for one year, up to 40 years.

Obtaining a commercial mortgage is based on the ability of your business to make the repayments. You will also find that lenders will assess your business before quoting you an interest rate.

They generally look at past performance, the current position and long term future plans of the business. The interest rate you will be quoted may be based on these factors and may be higher if the underwriter identifies higher risk in the proposal. You may need to provide a detailed business plan which demonstrates that you can make repayments, and a professional valuation will usually be required.

Our commercial mortgage best buys

Our commercial mortgage best buys show a selection of the most competitive lenders operating in different lending sectors. It is usually the case that these lenders also consider other types of property (a lender which lends on garage showrooms may also lend on office buildings for instance), although you should note that the deposit you are required to provide may differ between lending sectors, so it’s always best to check the deposit you’d need for the type of business premises you have, or are considering.

Speak to a commercial mortgage advisor