Competitive Interest Rates
Commercial mortgages often come with competitive interest rates, especially when compared to other types of business financing.
the low down
Is an Commercial Mortgage right for you?
A commercial mortgage is a loan secured by commercial property, such as an office building, shopping centre, industrial warehouse, or apartment complex. These loans are typically used by businesses to purchase, refinance, or develop commercial real estate.
There are 2 main types of commercial mortgage:
- Owner Occupied
This is where the business purchasing the property will also be occupying/trading from the property. I.e. a hotel, engineering firm operating from an industrial premises or recruitment firm operating out of an office etc… - Property Investment
This is where the business acquires the property to rent/lease the property out to a third party and benefit from rental income.
At Sedulo Funding Solutions, we have access to the whole UK finance market and we make business finance easy.
Fancy booking a call (or meet-up) with our team of experts? We can get you a no-obligation quote.
Long-Term Financing
Commercial mortgages typically offer long repayment terms, often ranging from 5 to 25 years. This allows businesses to spread out the cost of purchasing or refinancing property over a longer period, making monthly payments more manageable.
Rental Income
With property investment mortgages, businesses can generate a steady stream of rental income by leasing the property to third parties. This can provide a reliable source of revenue and help cover mortgage payments.
Asset Ownership
Commercial mortgages enable businesses to build equity in valuable commercial properties. Owning the property rather than leasing it can provide greater control over the business's operating environment and eliminate concerns about rising rental costs.
Calculations Made Easy
Bring your ideas to life, fast
With access to over 150 lenders, we can help make your plans a reality.
Recent deal
High-street commercial term arranged for MOT and Repair Garage
Sedulo reduced the business’s monthly payments by consolidating unsecured debt which was used to purchase the long leasehold of their headquarters.
Funding Stories
Laurence Mills
Read case
Recent deal
Urgent second charge bridge secured against a pair of residential properties in West London
The experienced landlord needed to refinance an existing facility and raise cash to pay his builder for refurbishment works.
Funding Stories
Laurence Mills
Sedulo Funding Broker
Read case
Recent deal
£215,000 Asset Finance deal for a large e-commerce business
The garden retailer needed to expand their fleet of vehicles with a number of brand-new vans.
Funding Stories
Carl Finlayson
Read case
Answers To Your Questions
We’ve put together a list of common Business Loan FAQs. If there’s something you want to know and you can’t find the answer here, get in touch with our team of finance experts.
While both types of mortgages are used to finance property purchases, a commercial mortgage is specifically for properties used for business purposes or investment in commercial real estate. In contrast, a residential mortgage is for purchasing a home or residential property. Commercial mortgages generally have different terms, higher interest rates, and different lending criteria compared to residential mortgages.
The amount you can borrow with a commercial mortgage depends on several factors, including the value of the property, the type of business, the loan-to-value (LTV) ratio, and the business’s financial situation. Typically, lenders may offer up to 70-80% of the property’s value, but this can vary.
Some key benefits of a commercial mortgage include competitive interest rates, long-term financing options, rental income opportunities for property investors, and the ability to build equity in a valuable asset.
0+
Lenders
A Team Of Finance Experts, On Your Side
Whether you’re looking to obtain funding to take on the next stage of business growth or access working capital to cover costs, it’s important to have a team of experts on your side.
Our experienced funding team operates out of each city centre office in Manchester, Leeds, Liverpool, London and Birmingham. We’re available to meet face-to-face so that we can better understand your business and talk you through your funding options, or we can assist over the phone – whichever you’d prefer!
Speak to an expert and start your business growth journey.
