Commercial Mortgages

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Why a commercial mortgage?

Commercial mortgages are suitable for a wide range of business types, from coffee shops aiming to grow to large corporate outfits looking to release equity from existing assets.

Commercial investment loans cover any commercial or mixed use properties that are being purchased for rental return and capital gain. Mixed use property is commercial property attached to residential on one freehold title.

When are commercial mortgages used?

  • Asset finance for businesses that require financing for cash flow (Including invoice financing)
  • Lending available to trusts
  • Multi property portfolio lending
  • Lending available to offshore companies
  • Lending against investment portfolios

Commercial mortgages for owner occupied property

Commercial mortgages for owner occupied property are aimed at trading businesses looking to purchase or refinance their own premises. They can cover a variety of property types such as retail units, offices, factory units or any commercial premises used by the business. The funds can be borrowed in personal names, limited company, pension fund or trust. 

The affordability for this type of loan will normally be based on the trading figures of the business, including cash flow and profit. Mesa will work with lenders and packaging partners to always find the most suitable lending possible.

What is a Commercial Investment Loan?

Commercial investment loans cover commercial or mixed-use properties that are being purchased for rental return and capital gain. Lending can be against any type of commercial property including offices, shops and industrial units. 

Loans can be repayment or interest only, but the terms can vary quite significantly depending on the property type, tenant details and rental lease details. This is one reason why it helps to speak to a specialist who can search the market for you and work on getting you the best terms for your needs. 

The funds can be borrowed in personal names, limited company, pension fund or trust. An example of commercial investment would be a purchase of a freehold restaurant which will be rented out for the duration of the lease.

Get in touch to find out how the Mesa Financial team can help you with your commercial mortgage requirements.

The Financial Conduct Authority does not regulate on Commercial Lending.

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    I’m moving into my dream home thanks to Mesa – I’d recommend them to anyone and I feel very lucky to have been taken care of by a company that gave me such brilliant support

    Alexandra Winter

    We have been so impressed with Mesa Financial. They have a highly knowledgeable and skilled team. The customer service has been amazing throughout the process and they are always available to you via phone or email. Highly recommend them – very professional service.

    Nina Jay

    Mesa has supported me through the whole process of getting a mortgage. My contact reference was always reliable and always promptly took action to make sure everything would move ahead smoothly. Brilliant service.

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