Commercial Mortgages

Our Commercial mortgage products are designed for individuals who need to secure funding either for the purchase of a lease or to buy the freehold on a business premises. We also provide lending facility for clients who do not have a business plan or 3 (three) years business accounts or business bank statement for that matter. Adverse credit history is another impediment for clients and companies purchasing or re-financing a business property as an asset.   

Investor Commercial Mortgage:

Giles Finance negotiates commercial mortgages on the behalf of investors on refinance or investor start up basis. We have a broad range of lenders including major banks, mutual building societies, niche providers and specialised commercial mortgage lenders.  The appropriate commercial loan lender is purposefully selected to meet the client's needs. 

All commercial mortgages are tailored to meet the borrower's needs.  Where suitable, elements of the bespoke commercial mortgage loan structures available to clients can include loans for the following property types:

• Pubs, restaurants, take-away units
• Newsagents,Cornershops, Fish & Chip Shops
• Hotels, guest houses, B&B’s, holiday lets
• Industrial units, factories, offices, warehouses
• Supermarkets, Garages, Church Buildings
• Semi Commercial Buildings
• Office Building Mortgages
• Specialist leisure (golf, country clubs etc)
• Health clubs, Golf Clubs
• Care homes, Nurseries
• Schools
• Agricultural Farms

Typically, we can arrange commercial funding from 70% to 85% loan to property value dependent on the quality of the asset and the tenant.

Commercial Mortgage finance opportunities are not limited by borrower circumstances and we can accommodate a variety of commercial lease terms and tenant qualities.

We pride ourselves on our ability to deliver rapid funding to clients and to meet tight purchase deadlines. 

Owner Occupier Commercial Mortgage:

Giles Finance negotiates commercial mortgages with a huge range of lenders including major banks, commercial building societies, regional and local building societies and specialist commercial asset lenders.  The appropriate commercial mortgage lender is purposefully selected to meet the client's needs.

There is no requirement to switch day-to-day banking, and in some cases we are acutely aware it is beneficial to keep these financing elements separate.

All commercial mortgage finance that is secured is tailored to meet the borrower's needs.  Where suitable, elements of the bespoke commercial loan structures available to clients can include:

• New business start-ups
• Business turnaround solutions
• Short Term Finance and debt consolidation
• Working Capital raising
• Property improvement
• Business expansion
• Interest-only mortgages 
• Long-term repayment mortgages with terms up to 30 years
• Fixed, variable and hedged mortgage rates

Our mortgage solutions cover all types of commercial premises and we understand the individual financing dynamics of the industry in which a business is involved.

As a yardstick we can arrange commercial funding from 70% to 80% and in some instances 90% loan to property value depending on trading performance and industry sector.

We look to find the best possible commercial mortgage funding solution for all commercial mortgage proposals submitted to us.  Where required we can find commercial finance for proposals with limited accounting information, imperfect credit records and short trading histories.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP
PAYMENTS SECURED ON IT