Commercial Mortgages

Please read through some general information on Commercial Mortgages below. If you would like independent advice on commercial mortgages available on the UK market to meet your needs, then please click below and submit an enquiry. Our Internet Mortgage Service can introduce you to independent mortgage advisers who have whole of market access and who can help you to find and obtain the most appropriate commercial mortgage to meet your needs. Click Here for a FREE Commercial Mortgage enquiry

We believe that regulated service is the best service!

Commercial mortgages can be split into two main categories, "owner occupier" - the borrower is purchasing a business premises and "commercial investment" - the borrower is purchasing property as an asset to rent.

The commercial mortgages market is characterised by complexities not present in the Residential and Buy to Let markets. The market does not feature the dynamic and highly competitive price structure seen in the domestic market. There are however increasing numbers of lenders offering tranches of fixed rate money for small and medium sized loans.

All lenders, above a certain minimum loan value (normally around £500,000), will go to the money markets and price up a transaction based on a margin and SWAP rate price (the rate banks and building societies lend each other money).

Loan to property values are dependent on industry sector and proprietor circumstances in the owner occupier arena, and by the quality of tenant in the commercial investment market. In general however for small or medium sized loans, for the borrower to be considered would be an approximate maximum loan to value of 75%; however there are lenders that will offer 80%+ loan to value in some cases.

The typical commercial mortgage loan period will be a maximum of 25 years.

Do you want all the benefits and features of a qualified, professional mortgage adviser who will act for you? Complete the online enquiry form. For further information on the service offered through 1st Direction Mortgages, please e-mail us on information@1stdirectionmortgages.co.uk.

We believe the best assistance comes from a regulated mortgage broker!

Your home may be repossessed if you do not keep up repayments on your mortgage.

1st Direction Mortgages (UK) provides a Mortgage Introducer Service and is a Trading Style of Hello Finance Ltd.

Hello Finance Ltd is an 'introducer' of clients to regulated Independent Mortgage Advice companies and may receive a introductory fee from the mortgage broker for such a service. The content of this website in 'information' on the services that are offered by our partner advice companies. The content of this website must not be taken or used as 'advice' on the type of mortgage that is most suited to your needs. Hello Finance Ltd hold no responsibility for any advice given by our partner companies.

Please read our Terms Of Business for further information.

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Hello Finance Ltd 7 Fidlas Road Llanishen Cardiff CF14 0LW

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