Commercial Property Finance I Hilton Smythe
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Commercial Property Finance

We can help you find the right commercial property finance option to assist you with either purchasing or refinancing a property to let.

Buying a commercial property can be a significant step in your career, whether it’s to house your own business or used as an asset that you can let out to generate additional income.

Commercial property finance
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    What is Commercial Property Finance?

    Commercial property finance covers a wide range of finance services and products to ultimately help you to purchase, refinance, refurbish, or grow your commercial property portfolio.

    Whether you want to open your own business, grow your business locations or rent out the space for other commercial use, we can work with you to find the most suitable financing option.

    Buying a commercial property can be a significant step in your career, whether it’s to house your own business or used as an asset that you can let out to generate additional income.

    We have an in-house finance team for helping our commercial property investment clients to find tailor-made and stress-free solutions that suit their particular needs.

     

    From standard commercial mortgages to specialist property purchases through your pension, we can find the solution that will suit you.

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    • Over 35 years experience
    • Completely independant
    • Honest advice
    • Tailor-made solutions
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    Here are a few examples of the types of commercial properties which can be funded:

    • Offices.
    • Retail and commercial units, for various sectors.
    • Warehouses and industrial buildings.
    • Semi-commercial properties. These are properties which each have a commercial element and a residential element. Examples of semi-commercial properties include pubs and bed and breakfasts.
    • HMOs, otherwise known as houses in multiple occupations. Each HMO has at least three tenants living there and forming more than one household.

    Commercial Property Finance

    Can I get Commercial Property Finance?

    Anyone can apply for commercial property finance, however, it’s critical to seek the best option available. Whether you are an entrepreneur looking to kickstart your small business, or an owner of an established larger organisation, you could be eligible for different financing options.

    Each application is unique, because everyone’s previous credit and business history, to current circumstances and future objectives, are all different.

    With a variety of commercial property finance options, the criteria for each can also vary slightly, which is why using an expert finance broker like Hilton Smythe Finance can be so valuable. We’ll work with you to determine whether you can successfully gain funds to achieve your goals.

    We have an in-house finance team for helping our commercial property investment clients to find tailor-made and stress-free solutions that suit their particular needs. From standard commercial mortgages to specialist property purchases through your pension, we can find the solution that will suit you.

    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.
    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.

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    • 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.

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    • 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

      Find out more
    • Invoice Discounting

      Want to improve your cash flow while managing your own credit control process? Invoice discounting is a form of Invoice financing that helps you to confidentially access funds tied up in unpaid invoices to release working capital. Click the link below to find out more.

      Find out more
    • 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.

      Find out more
    • Property Development Finance

      Thinking about your next big development project? At Hilton Smythe, we can support a range of funding requirements – from pre-planning finance, bridging finance, through to commercial and residential development finance.

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    • Invoice Finance

      Cash flow challenges holding your business back? Invoice finance is a specialist form of short-term borrowing. Securing timely payments from clients can sometimes feel like an uphill battle, hindering your ability to invest in growth opportunities. That's where our invoice financing service comes in.

      Find out more
    • Asset Finance

      Need to equip your business for growth? Whether it be agricultural and grounds equipment, technology and security equipment, or plant machinery, our expert asset finance brokers are here to help you secure the essential equipment and machinery you need, without upfront burdening your cash flow.

      Find out more
    • Commercial Bridging Loans

      Waiting for longer-term finance to be put in place? Unlock immediate capital with a commercial bridging loan. Ideal for seizing time-sensitive opportunities, our trusted advisers can help you secure short-term loans to keep your business moving forward until your long-term plan kicks in.

      Find out more
    • Business Loans

      Stuck in a growth rut? Nearly all businesses need finance at some point in their life – whether it is for initial start-up costs, or for major business expansions and partnership buyouts.

      Find out more