Whether it is investment, development or you are looking to buy a property for your business, finding the right finance solution is critical. With so much to think about, finding the right funder can be extremely time consuming at a time where the market is moving quickly.
Investment
This can be a long term project or a short term profit opportunity, in either the commercial or residential sector
Term:
- Up to 25 years – Residential
- Up to 15 years – Commercial
Loan to Value (LTV) varies depending on the situation.
Typically fully amortising repayment profiles but interest only options are available.
Development
Usually funders are looking to partner with experience developers with a strong track record and good knowledge of the market which mitigate their risks.
However there are a lot of innovative funding solutions to help developers achieve their goals.
Commercial Mortgages
Either for investment purposes or owner-occupiers, commercial mortgages can be used for new purchases or for refinance of existing premises.
New Purchases
Typically up to 70-75% LTV although certain sectors such as healthcare, professions, and education can attract up to 100% LTV.
Re-finance
This can be used to release cash for expansion or growth, or simply to get terms if the market has moved.
Acquisition of new trading premises
Commercial investment mortgage
Client trading from leasehold premises looking to acquire their own. We matched them with a supportive funder for a successful outcome.
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Purchase of 10 commercial units to grant complete control over the site
Investment mortgage
Experienced property investor faced barriers to potential growth - we match-made them to a supportive funder and access to £2.8m line.
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Commercial Mortgage – Petrol Station Operator
Commercial Mortgage
The client's incumbent bank was unable to support their buy-and-build strategy so they called in the CCBS team to help.
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Short term funding solution business entrepreneur
Short Term Secured Funding
Entrepreneur required funding with a short turnaround - we secured £1m within 1 month.
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Commercial mortgage for building with change of use
Commercial Mortgage
A Sunderland-based business was looking to re-mortgage following development work on a property and a change of use.
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Property Refinance with Equity Release
Mortgage
A manufacturing business' mortgage was due for renewal but supply chain and cashflow issues were hampering progress.
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