Commercial & Agriculture Mortgage
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Commercial Mortgages: Tailored Solutions with Giles Finance
A commercial mortgage is a specialized loan designed for purchasing or refinancing land or property intended for business purposes. Unlike personal mortgages for residential properties, commercial mortgages are highly bespoke. These products are not off-the-shelf solutions, meaning you cannot apply online or compare rates easily. Navigating the commercial mortgage process requires expert guidance, from the initial enquiry to the final completion stage.
At Giles Finance, we specialize in providing comprehensive support to clients seeking commercial mortgage solutions tailored to their specific business needs. Whether you are an investor looking to expand your portfolio or a business owner seeking premises for your operations, we ensure that every step of the process is smooth and efficient.
Types of Commercial Mortgages
There are two primary types of commercial mortgages:
1. Investor commercial mortgage:
An investor commercial mortgage is specifically designed for individuals or businesses purchasing commercial freehold or leasehold properties for investment or rental purposes. This type of loan enables borrowers to generate income through the rental of commercial properties.
Giles Finance negotiates investor commercial mortgages for both refinancing and purchase purposes. We work with a diverse range of lenders, including major banks, mutuals, building societies, niche providers, and specialized commercial mortgage lenders. By carefully selecting the appropriate lender, we tailor each mortgage to meet the unique needs of the borrower. Our commitment to personalized service ensures that every investor receives a solution that aligns with their financial goals.
- Pubs, restaurants, take-away units
- Newsagents, Corner shops, 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
2. Owner Occupier Commercial Mortgage.
An owner-occupier commercial mortgage is tailored for individuals or businesses purchasing commercial premises for their own use. This allows business owners to secure a property where they can operate their business, offering stability and long-term financial benefits.
At Giles Finance, we work with an extensive range of lenders, including major banks, regional and local building societies, and specialist commercial asset lenders. We ensure that the chosen lender meets the client’s needs without requiring a switch in day-to-day banking, preserving financial flexibility. For many clients, keeping the financing of their commercial mortgage separate from their primary banking account is beneficial, and we help facilitate this separation.
Bespoke Commercial Mortgage Solutions
Every commercial mortgage product offered through Giles Finance is fully tailored to meet the borrower’s specific requirements. We understand that no two businesses are alike, and our approach reflects this uniqueness. Bespoke elements of a commercial loan structure may include:
- Flexible repayment terms tailored to cash flow.
- Competitive interest rates negotiated with a wide range of lenders.
- Loan structures that account for unique borrower circumstances, including investment or operational requirements.
Why Choose Giles Finance for Your Commercial Mortgage?
Giles Finance has extensive experience in navigating the complexities of commercial mortgages. Our team provides expert guidance, ensuring clients receive the best possible financing options. Whether it’s an investor commercial mortgage or an owner-occupier mortgage, we work closely with clients to understand their needs and match them with the most suitable lender.
We pride ourselves on our relationships with a broad spectrum of lenders, including major banks, niche providers, and specialized commercial finance institutions. This network enables us to secure tailored solutions that align with your business goals, whether you’re refinancing, purchasing, or expanding your operations.
Your Path to a Successful Commercial Mortgage
A commercial mortgage is more than just a loan; it’s an investment in your business’s future. At Giles Finance, we’re committed to helping you achieve success by providing customized solutions that work for you. From the first enquiry to the final completion stage, we’re with you every step of the way.
- New business start-ups
- Business turnaround solutions
- Short Term Finance and debt consolidation
- Working Capital raising
- Property improvement
- Business expansion
- Office Building Mortgages
- Conversion to interest-only mortgages and vice versa
- Long-term repayment mortgages with terms up to 30 years
- Fixed, variable, and hedged mortgage rates
Contact Giles Finance today to discover how our tailored commercial mortgage solutions can support your business’s growth and success.
Giles Finance – Your Trusted Partner in Commercial Mortgages.
It is simply a specialist type of mortgage application that requires specialist knowledge. We work with all major commercial mortgage lenders in the UK to provide you expertise and guidance for all your commercial mortgage needs. Call us on 0208 088 2211 to speak to our commercial mortgage teams.