Commercial Mortgage I To Buy or Refinance a Commercial Property

Commercial Mortgages

Looking to buy, refinance or invest in a business property? Whether it’s to house your own business, expand into new premises, maximise your pension opportunities, or rent out to another organisation, you may require a commercial mortgage.

Unlike residential or buy to let mortgages, commercial mortgage rates are not standardised, but are individually priced according to the strength of your proposal – which a specialist finance broker like Hilton Smythe can help to develop.

Commercial Mortgages

What is a Commercial Mortgage?

Commercial mortgages are loans secured against non-residential property (offices, warehouses, industrial or retail units, etc.), with fixed or variable rates typically over 3-25 years. Owning your own premises can often be a great way of growing your business. With a Commercial Mortgage you’ll benefit from any increase in the property’s value too.

Types of Commercial Mortgages

  • Owner-Occupied Mortgages for Trading Premises: Use the property for your trading business.
  • Residential Buy-to-Let Portfolio Mortgages: Rent out a residential property to individuals.
  • Commercial Buy-to-Let: Rent out a commercial property (e.g., warehouse) or semi-commercial property (e.g., shop with flat).

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  • Over 35 years experience
  • Completely independant
  • Honest advice
  • Tailor-made solutions

Benefits of seeking a commercial mortgage with Hilton Smythe:

  • Competitive rates and flexible terms: We can secure competitive fixed or variable rates, linked to Base Rate or Libor, and flexible repayment terms with amortisation periods of up to 30 years and capital & interest or interest-only options.
  • Tailored solutions: We can secure loan-to-value ratios from 70% to 100%, depending on the property, with options for interest-only or capital and interest repayments.

selling commercial property

“If you need finance for a commercial property, don’t go anywhere else.” Leon Moffet

“I want to give a warm and sincere thanks to the team for the amazing help in securing my commercial property. Firstly, they are amazing specialists who found the right product to suit my financial needs, and worked relentlessly over 6 months to secure my loan in a difficult economic climate. Thank you – a huge credit to the team at Hilton Smythe. I would highly recommend them.” Hilton Smythe Finance Customer

Seeking a Commercial Mortgage with us allows you to benefit from:

  • Fixed and variable rates linked to Base rate or Libor.
  • Amortisation periods potentially lasting up to 30 years.
  • Periods of capital and interest repayment or interest only.
  • Widely varying loan-to-value ratios. These can reach 100%, though they are typically 70%.
  • Bank arrangement fees on top of the loan.

Alternative Finance

Other types of Commercial Finance
  • High Net Worth Individuals

    Looking for wealth management expertise unavailable at high street banks? At Hilton Smythe, we know that one-size-fits-all approaches can hinder HNWIs’ ability to protect and grow their wealth.

  • Sharia Finance

    Seeking growth within your faith? We understand the unique challenges facing Sharia-compliant businesses who cannot take advantage of the conventional debt-based products on the market.

  • Structured Finance

    Need complex funding solutions? Enter structured finance – a way to design flexible financing solutions that reduce the risk profiles of investments while improving liquidity