The commercial market has become more sophisticated in recent years. Loan-to-value can be up to 85% (or even 100% with additional security).
- Pubs, nightclubs, restaurants, takeaways
- Shops and shops with living accomodation
- Hotels, guest houses, B&B's, holiday lets
- Industrial units, factories, offices, warehouses
- Farms
- Start-up
- Growth and Expansion
- Bridging finance/re-mortgage/site development
- Adverse - CCJs, defaults, bankruptcies
- Self-certification with no proof of income required
- Low / no profit businesses
- Purchase under value
- Gifted Deposits
Accounts may not be necessary and loans can be up to 30 years. Fixed rates and interest only options available even for non-conforming cases.
Commercial Mortgages - This is not regulated by the Financial Services Authority. These products now available in Northern Ireland.