Commercial Mortgages
Apply Mortgages
Your Specialist London Mortgage Broker
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EXCELLENTTrustindex verifies that the original source of the review is Google. I have worked with Kaan for quite a few years in a professional sense and have always found him to be exceptional. I have just used him for my personal case, and found him extremely knowledgeable, responsive and offered a very quick service from mortgage in principle to offer. I would highly recommend Kaan and his team to anyone looking to get a mortgage etc- my partner and I felt completely supported throughout the whole process. Thanks again!Posted onTrustindex verifies that the original source of the review is Google. I had an excellent experience working with Kaan as my mortgage broker. I highly recommend them to anyone looking for a reliable and trustworthy mortgage broker.Posted onTrustindex verifies that the original source of the review is Google. Apply Mortgages... What can i say... Excellent!!! From start to finish, they have been amazing, especially Kaan. Responsive, efficient and knowledgeable. These guys came highly recommended and will continue to recommend to everyone i know. Thanks guys !!Posted onTrustindex verifies that the original source of the review is Google. Kaan has gone above and beyond from day 1. He’s proactive and has made the whole experience seamless. Wouldn’t use anyone else and can highly recommendPosted onTrustindex verifies that the original source of the review is Google. I can’t speak highly enough of Kaan and his team. From start to finish they helped us every step of the way and to put the work in they did to make our mortgage happen we cannot thank them enough. Outstanding!!! Highly recommended!!Posted onTrustindex verifies that the original source of the review is Google. I couldn’t recommend my mortgage broker more! Kaan made the whole process quick, easy, and completely stress-free. His professionalism and clear guidance made all the difference — he secured me the best rate and led the process with confidence and care from start to finish. Truly exceptional service!Posted onTrustindex verifies that the original source of the review is Google. I was referred to Kaan through family who was so pleased with his services, explination of the buy to let process and the ulimate refinancing. Being self employed and income from fostering refinancing a mortgage is not an easy pricess. I also wanted to extend my mortgage years . Apply mortgages were able to identify a provider and pull together all my details and present it to the provider to get the apprival answering all my requirements Apply mirtgages were able to get the apprival that has changed my finacial future for the better.Posted onTrustindex verifies that the original source of the review is Google. I would highly recommend anyone to use the services of Apply Mortgages. Kaan consistently went above and beyond to ensure our mortgage and buying process was smooth, giving transparency of what to expect and managing expectations of several moving parts throughout. His service exceeded expectations and made the end to end process pain free and sped up what we anticipated to take much longer!Posted onTrustindex verifies that the original source of the review is Google. From start to finish the whole team keeps you in the loop as to how things are progressing! With constant awareness of which deals are soon to drop by big providers! 5 star all the way!!!Posted onTrustindex verifies that the original source of the review is Google. I am so pleased with Apply Mortgages and the great service provided. Kaan was always extremely responsive and helpful throughout the whole process. I would highly recommend using them.
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COMMERCIAL MORTGAGES
Financing Solutions for Business Property
At Apply Mortgages, we understand that securing the right commercial property is crucial for your business's success and growth. Our expert team specialises in navigating the complex world of commercial mortgages, providing tailored solutions to meet your unique business needs.
Why Choose Apply Mortgages for Your Commercial Property Finance?
- Expertise: Our advisers have in-depth knowledge of the commercial mortgage market and its intricacies.
- Bespoke Solutions: We craft financing solutions tailored to your specific business requirements and goals.
- Extensive Lender Network: We have access to a wide range of lenders, from high street banks to specialist commercial lenders.
- End-to-End Support: We guide you through the entire process, from initial application to completion.
TYPES OF COMMERCIAL MORTGAGES
Dependign on the type of business and finance needs, there are various options available when it comes to commercial mortgages.
- Owner-Occupied Mortgages: For businesses looking to purchase their own premises.
- Commercial Investment Mortgages: For those seeking to invest in commercial property to let.
- Mixed-Use Property Mortgages: For properties with both commercial and residential elements.
- Portfolio Financing: For investors with multiple commercial properties.
Our expert advisers will explain these options in detail, helping you understand which might be most suitable for your circumstances.
The Commercial Mortgage Process with Apply Mortgages
- Initial Consultation: We'll discuss your business needs, financial situation, and property requirements.
- Financial Assessment: We'll review your business finances and help you understand your borrowing capacity.
- Market Search: We'll scour the market for the most suitable commercial mortgage products.
- Application Support: We'll assist you in preparing a robust application, including business plans and financial projections if required.
- Liaison and Negotiation: We'll communicate with lenders on your behalf, negotiating terms to secure the best possible deal.
- Completion Assistance: We'll work alongside your legal representatives to ensure a smooth completion process.
WHY CHOOSE A COMMERCIAL MORTGAGE?
At Apply Mortgages, we're committed to helping you secure the right commercial mortgage to support your business ambitions.
- Build Business Equity: Own your business premises rather than paying rent.
- Tax Efficiency: Interest payments on commercial mortgages are typically tax-deductible.
- Stability: Fix your property costs and avoid rent increases.
- Investment Opportunity: Potential for capital appreciation on your property.
Contact us today for a no-obligation consultation and take the first step towards your ideal commercial property solution.
Commercial Mortgage FAQ's
What's the typical loan-to-value (LTV) ratio for commercial mortgages?
Commercial mortgages typically offer LTVs between 65-75%, although this can vary based on the property type and your business profile.
How long are commercial mortgage terms?
Terms can range from 3 to 25 years, with 15-20 years being common. Shorter terms may be available for experienced investors.
What documents do I need to apply for a commercial mortgage?
Typically, you'll need business accounts, tax returns, a business plan, financial projections, and details of the property you wish to purchase.
Can I get a commercial mortgage for a new business?
It's possible, but more challenging. Lenders usually prefer businesses with a proven track record. New businesses may need to provide additional security or a larger deposit.
Are commercial mortgage rates higher than residential rates?
Generally, yes. Commercial mortgages are considered higher risk, so rates are typically higher than residential mortgages.
Can I remortgage a commercial property?
Yes, commercial remortgaging is possible and can be used to release equity, secure better rates, or change lenders.
Do I need a commercial mortgage broker?
While not mandatory, a broker like Apply Mortgages can access a wider range of lenders and products, potentially securing better terms than you might find independently.
How long does the commercial mortgage process take?
The process typically takes 6-12 weeks, but can vary depending on the complexity of the deal and the lender's requirements.
Can I get a commercial mortgage with bad credit?
It's more challenging, but possible. Specialist lenders may consider applications from those with adverse credit history, often requiring additional security or higher rates.
Are there any government schemes to help with commercial mortgages?
Yes, schemes like the Enterprise Finance Guarantee can help businesses secure lending. We can advise on any relevant schemes during our consultation.
Disclaimer: a mortgage is secured against your home. Your property may be at risk and repossessed if you are not able to keep up with the repayments on your mortgage or any other debt secured on the property. Mortgage deals may not be available and lending is strictly subject to individual circumstances and status.
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Information and Guidance
Independent Mortgage Solutions Provider
Serving property owners in and around London and the South-East
GET IN TOUCH WITH APPLY MORTGAGES
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CONTACT
Telephone: 0208 529 4545
Email: [email protected]
OUR OFFICE
Meridian House
62 Station Road
Chingford, London
E4 7BA
HOURS
Monday: 9:00 AM - 6:00 PM
Tuesday: 9:00 AM - 6:00 PM
Wednesday: 9:00 AM - 6:00 PM
Thursday: 9:00 AM - 6:00 PM
Friday: 9:00 AM - 6:00 PM
Saturday: 10:00 AM - 2:00 PM
Sunday: CLOSED