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

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

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
  • Commercial Mortgages

    Trading businesses can use Commercial Mortgages to purchase or refinance commercial property from where their business operates. We can help you find the right commercial property finance option to assist you.

  • Commercial Loans

    It’s important to find the most appropriate commercial loan to protect your business, or to support your ambitious business plans. The right amount of money, at the right time, on the right terms, can make or break a business many times over.

  • Property Development Finance

    Property development finance is a range of loan solutions to enable property developers, investors and builders the funds to develop or refurbish houses, apartments, retail or commercial units, we can help you access the right finance.

  • Management Buyout Financing

    When it’s time to sell your business there are many options available, Management Buyout financing allows experienced people working in a company to buy out the existing management.

  • Invoice Finance

    Businesses can raise money through invoice financing or factoring, obtaining cash from unpaid invoices quickly. This method of financing is generally quicker and less stringent than traditional banking or other commercial finance solutions.

  • Invoice Factoring

    In business cash is king and if you’re looking to get the cash flowing, invoice factoring can be a way to release cash from the account receivable from your balance sheet.

  • Alternative Finance

    Alternative Finance refers to any form of business finance that comes from a non-traditional provider. It aims to offer funding away from mainstream financing, such as from high street banks and capital markets.

  • Asset Finance

    Asset Finance is a great financing option for businesses who require new assets, such as equipment, transport and machinery. It allows businesses to spread the cost of the asset over an agreed length of time.