Commercial Property Loans
Whether you're acquiring new premises or expanding existing ones, we can help you secure the right commercial property loan to meet your needs.
Specialist Lending Options
For businesses with unique financial situations, we offer specialist lending options tailored to help you achieve your goals.
We offer the following commercial lending...
Bridging Finance
Looking to bridge the gap between buying a property and the sale of another? A bridging loan does just that. With a typical 12-month term and no early repayment charges (except for the first three months' interest), this flexible option allows for easy repayment.
Lenders often "roll up" interest payments, adding them to the loan balance to be repaid in full at the end of the term. While this saves on monthly expenses, it may impact the maximum loan amount available (usually 70-75% of property value).
When applying for a bridging loan, lenders focus on property value and repayment plans. As long as there's a clear exit strategy – like selling a property or obtaining a standard mortgage – approval is likely.
Whether you're looking to buy before selling or renovating a property for future mortgage approval, bridging loans offer a versatile financing solution.
Example: GIVE A SHORT EXAMPLE OF A HYPOTHETICAL CLIENT WHO WOULD DO THIS
Development Finance
Unveiling Development Finance: Your Guide to Short-Term Funding for Projects
Development finance is a short-term funding solution, typically spanning 6-24 months. It is tailored to support the purchase and construction expenses of residential or commercial development ventures, whether it's a new build, conversion, or refurbishment ranging from single units to multi-phase developments.
Key Components of a Development Loan:
• Acquiring the Site
The initial portion of the funding is allocated for acquiring the development site, be it vacant land for new properties or an existing structure slated for renovation.
• Funding Construction Cost
The second phase of the loan covers construction expenses in stages as work progresses on the project, ensuring seamless financial support throughout each step.
Example: GIVE A SHORT EXAMPLE OF A HYPOTHETICAL CLIENT WHO WOULD DO THIS
Trading Business Finance
A Trading Business mortgage is a flexible solution for funding property purchases or refinancing for business use. These mortgages can also be remortgaged to secure better terms, especially when business performance improves over time, making you a lower risk applicant.
Trading business mortgages empower owners to acquire property or land for their business. Borrowed from banks or specialist lenders, the funds are repaid with interest in convenient monthly instalments - just like a residential mortgage.
Example: GIVE A SHORT EXAMPLE OF A HYPOTHETICAL CLIENT WHO WOULD DO THIS
Portfolio Finance
Unlock the simplicity of managing multiple properties with a Portfolio Mortgage. Consolidate all your buy-to-let mortgages into one account, streamlining your payments. Embrace the ease of a single monthly statement and payment. No need for separate lenders or countless statements - just one lender, one payment. Perfect for landlords with four properties or more, but also an option for those with just two. Take control of your finances with clarity and efficiency.
Example: GIVE A SHORT EXAMPLE OF A HYPOTHETICAL CLIENT WHO WOULD DO THIS
Semi-commercial
These property-backed loans cater to properties with both residential and commercial aspects, offering flexibility for diverse property types. Whether you're buying or refinancing, semi-commercial mortgages provide a unique financing solution.
With competitive rates and tailored terms, lenders may offer preferential rates for semi-commercial properties compared to fully commercial buildings. However, eligibility criteria such as property access and layout may impact the rate offered.
Dive into the world of portfolio mortgages for landlords with multiple properties. Simplify your finances with one monthly statement and payment, offering clarity in managing your buy-to-let investments. Portfolio mortgages are designed to streamline your financial management, providing an optional but beneficial solution for landlords.
Example: GIVE A SHORT EXAMPLE OF A HYPOTHETICAL CLIENT WHO WOULD DO THIS
Commercial Investment
Unlock your potential with a Commercial Investment mortgage - the key to acquiring or refinancing commercial properties leased to tenants. With rates slightly higher than owner-occupied properties, these mortgages are tailored for savvy investors. Your credit history, financial status, and property experience will be scrutinized to ensure you meet the lender's standards. The property's demand and lease terms play a pivotal role in the approval process. Secure your future with a strong property and a stable tenant - make your investment count.
Examples: GIVE A SHORT EXAMPLE OF HYPOTHETICAL CLIENTS WHO WOULD DO THIS
Residential Investment
Looking to invest in rental properties? Residential investment mortgages are tailored for property investors and landlords who purchase residential properties to rent out for profit. These mortgages tend to be pricier, with higher interest rates and a larger upfront deposit requirement. They are similar to buy-to-let mortgages but are often obtained through a limited company for commercial purposes.
Invest in residential properties with a specialized mortgage designed for property investors and landlords. These mortgages are tailored for those looking to rent out residential properties for profit. Expect higher interest rates and larger initial deposits compared to standard mortgages. Similar to buy to let mortgages, but typically used through a limited company for commercial investments.
Example: GIVE A SHORT EXAMPLE OF A HYPOTHETICAL CLIENT WHO WOULD DO THIS
Unsecured Finance
Unlock funding without collateral. An unsecured business loan offers quick and simple access to capital, perfect for businesses without assets or those hesitant to secure their loans. Choose from various options tailored to your specific needs, with flexible repayment plans. Get the cash injection your business deserves today.
Example: GIVE A SHORT EXAMPLE OF A HYPOTHETICAL CLIENT WHO WOULD DO THIS
Healthcare Sector
Explore the World of Healthcare Finance:
- Primary Healthcare Sector: From GP's to Pharmacists, discover opportunities for financing in the healthcare industry. Whether you're looking to buy into a practice or expand your business, we've got you covered.
- Care Home Sector: Providing care for elderly residents and those with specific needs requires financial support. Find out how loans can help you acquire and develop properties tailored to meet your residents' needs. Benefit from flexible repayment terms spanning up to 25 years.
Examples: GIVE SHORT EXAMPLES OF HYPOTHETICAL CLIENTS WHO WOULD DO THIS
Get Started Today
Ready to take the next step? Contact us today for a consultation and discover how MB Commercial can help you achieve your business goals with bespoke, expert advice.