Commercial Mortgages
Commercial mortgages designed around your business needs.
Commercial Mortgages
Assetz Capital fund commercial mortgages to meet a wide range of business needs. Whether you are a property investor, operate in the care sector, leisure, hotels or perhaps are an engineering company looking to refinance to acquire new premises.
Whatever your situation, we’re here to help your business grow with a tailor made solution.
If you have a project that needs financing, why not call us now on 0800 470 0430 or simply click the ‘enquiry’ button below and we’ll get straight back to you.
Our key lending criteria
We want to help business grow and so every one of our mortgages is structured and priced on its own merits. For example, if a care home is acquiring a new home, we will consider interest only periods to allow the business to transition to full occupancy or full trade.
Being truly flexible, we will consider arrangements outside those shown in the table below.
| Indicative terms | Key features |
|---|---|
| Commitment term | Up to 5 years. |
| Amortisation profile | Up to 25 years / interest only periods considered. |
| Maximum LTV | 70%. (We may also consider MV1.) |
| Preferred loan size | £2m – £10m. |
| Rate (dependent on risk and loan size). | From 3% plus SONIA. |
(Criteria updated July 2024.)
What our clients say about us
Llechwen Hall
We are proud and excited to further develop Llechwen Hall, making it a high-end, unique, destination hotel. We’d like to thank Assetz Capital for their huge support and for turning our vision into a reality.
Ramesh Gor
Llechwen Hall
Roseberry View
With the number of staycations in the UK rising, the country needs more luxury holiday sites to meet the demand for this trend. Assetz were always on board, they totally had the same vision and backed it from the off and thats why they made the whole process very easy.
Andy Platts
Roseberry View
Robin Hood Farm
We’ve been thinking about a B & B for a while, and we saw Robin Hood Farm for sale. We started off talking to local banks, they raised our hopes and then shot them down. Assetz Capital came along and offered us our dream.
Caroline Fairest
Robin Hood Farm
Quick enquiry form
If you have a deal you’d like to talk through, then why not complete our quick enquiry form and we’ll get straight back to you?
Alternatively, you could call us now on 0800 470 0430.
Quick enquiry form
We’re much more than just a commercial mortgage funder
At Assetz Capital we’re committed to funding the growth aspirations of UK business and that’s why we offer finance and mortgage solutions across the property sector.
Development Finance
Development finance projects come in all shapes and sizes and there’s isn’t one that we haven’t seen before. From converting properties to care homes through to the new build of student accommodation. Additionally, we can also support any aspect of residential development – both traditional bricks and mortar properties and apartment blocks. Plus, we fund beyond ground up construction as we’re also expert in conversion, refurbishment and reconfiguration projects.
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Residential Refurbishment
Our residential refurbishment loans are designed to help SME property developers buy and refurbish single or multiple properties. From light renovation to heavy refurbishment. To the conversion of office blocks to residential spaces. We can find the finance you need.
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Bridging Finance
Competitive rates, speedy decision making and quick funding. Assetz Capital provides everything you need from a bridging lender. Whether you need funding quickly for property purchase, land acquisition, refurbishment or development finance exit. We can fund it all.
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Development Exit Finance
Development exit finance is a type of bridging loan (or bridging finance) for property developers used at the practical completion stage of their project. The aim being to save costs and hopefully maximise their profit. See if Assetz Capital could help you.
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Care Home Finance
We’ve long been champions of the care sector, as we realise it’s importance to the lives of the communities it serves. We offer commercial mortgages for those looking to enter the market, expand their portfolios or refinance to perhaps enhance their facilities. For property developers looking to build or repurpose existing property, we provide development finance solutions.
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Planning Assistance Loan
The Planning Assistance Loan (PAL) is an innovative product from Assetz Capital. It enables experienced property developers to buy offices or warehouses before they have secured full planning permission for their residential conversion scheme.
ArrowCommercial mortgages FAQs
What is a commercial mortgage?
A commercial mortgage is a loan secured by commercial property such as an office building, shopping centre, industrial warehouse, or apartment complex. Unlike residential mortgages, which are taken out by individuals, commercial mortgages are often obtained by businesses or investors. These loans are typically used to purchase, refinance, or develop commercial property and they come with terms and conditions tailored to the needs of businesses and the risks associated with commercial properties.
How could my business benefit from a commercial mortgage?
- Property Ownership
One of the most significant advantages of a commercial mortgage is that it enables your business to own property rather than rent. Ownership can provide stability, eliminate rental inflation concerns, and offer potential tax benefits. Property ownership also allows you to customise your space to meet your business’s specific needs.
- Building Equity
As you make mortgage payments, you build equity in the property. This equity can be a valuable asset for your business, providing financial leverage for future investments or expansion. Equity can also be used as collateral for additional financing needs. Please remember that the level of equity seen at any one time, depends on the value of the property and the level of borrowing that is lent against the property. As such the level of equity can fluctuate over time and may fall, as well as rise.
- Potential for Appreciation
Commercial property can potentially appreciate over time, increasing the value of your investment. The capital appreciation (of the property) can significantly enhance your business’s balance sheet and provide an upside if you decide to sell the property in the future. The converse is also true, in that the property’s value will fluctuate in line with market dynamics.
- Tax Advantages
Owning commercial property can potentially offer several tax advantages but you should you speak to an expert tax adviser about these.
- Rental Income Opportunities
If your business does not occupy the entire property, you can lease out unused space to other tenants. This rental income can help offset mortgage payments and other property-related expenses, providing an additional revenue stream for your business.
We can also provide Commercial Investment Mortgages, where the property being purchased is to be rented out to 3rd parties.
- Improved Cash Flow Management
We offer both fixed and variable rate Commercial Mortgages. With a fixed-rate mortgage, your business can benefit from predictable monthly payments, aiding in more accurate financial planning and cash flow management. This predictability is often more advantageous than dealing with fluctuating borrowing costs.
How much can I borrow?
With a commercial mortgage from Assetz Capital you can borrow up to £10 million but we can arrange a facility of up to £50 million.
What loan to value (LTV) will you accept?
We will accept a maximum LTV of 70% with a commercial mortgage.
What security do you require for a commercial mortgage?
First legal charge (plus debenture and a level of personal guarantee for corporate borrowers).
For which purposes will you consider commercial mortgages?
We will lend for a number of different purposes including purchase, refinance, equity release & general working capital. Build to term facilities are also available to provide a development facility that converts to a term loan typically upon practical completion.
What are acceptable property types?
We will accept owner occupied, fully let or part-let commercial & mixed use property.
Who can apply for a commercial mortgage?
Limited companies & LLPs can apply for a commercial mortgage with Assetz Capital.
What are the repayment terms?
Commercial mortgage repayment terms are capital & interest repayment with amortisation up to 25 years, initial interest only periods & interest only for full term considered within a 5 year term commitment. The minimum term is negotiable.
How does the commercial mortgage process work?
Our process explained PDF will take you through each step of our commercial mortgage process and show you just how straightforward it is.