Commercial Mortgages
Apply Mortgages
Your Specialist London Mortgage Broker
RATED
EXCELLENTTrustindex verifies that the original source of the review is Google. Super helpful and went the extra mile to sort everything out for meTrustindex verifies that the original source of the review is Google. Kaan and the team over at Apply Mortgages are truly great. Super hands on and helpful every step of the way. I had a very tricky shared ownership case and it was a lengthy process, couldn't have done it without them. Really recommend!Trustindex verifies that the original source of the review is Google. I honestly can’t recommend Apply Mortgages enough! Kaan has been absolutely amazing from start to finish — professional, responsive, and incredibly supportive throughout the entire process. As a first-time buyer, I had so many questions, and he always took the time to explain everything clearly and patiently. He went above and beyond. If you’re looking for someone reliable, knowledgeable, and genuinely committed to helping you, Kaan is the one!Trustindex verifies that the original source of the review is Google. Kaan has been extremely helpful and has made himself available throughout the process. Highly recommend!Trustindex verifies that the original source of the review is Google. Amazing brokerage - thank you so much for making the process smooth and simpleTrustindex verifies that the original source of the review is Google. Fantastic service from start to finish! Kaan was incredibly helpful and made the whole process smooth and stress-free. Highly recommend to anyone looking for mortgage advice or support!"Trustindex verifies that the original source of the review is Google. Couldn't recommend a better mortgage broker. The quality of service and professionalism provided by Kaan & his team throughout has been exceptional, making the process from start to finish very simple for us as first time buyers. Their communication was clear and concise, and they were always very responsive and accommodating. I will definitely be using their services again in future.Trustindex verifies that the original source of the review is Google. Kaan was indeed the best mortgage broker I have ever come across. He managed to secure a really nice deal for me, pretty well and quick, helping me a lot along the entire process with his expertise approach and I've got the best rate ever. I am very happy with the way he handled my remortgaging. Therefore, I recommend his services to anyone. I will certainly come back to see him again in the future.Trustindex verifies that the original source of the review is Google. Exceptional Service – Highly Recommended! I can't recommend Apply Mortgages enough! From start to finish, they went above and beyond to help me secure the perfect mortgage that met all my specific requirements. My situation was quite complex, yet they navigated every hurdle with professionalism, determination, and expertise. They took the time to understand my needs, explored various lender options, and found a solution that suited my circumstances perfectly. Communication was excellent throughout — I was kept informed at every stage, and they were always available to answer my questions, no matter how big or small. Their dedication and persistence truly made the difference, and I’m incredibly grateful for their hard work. If you're looking for a mortgage broker who genuinely cares and will go the extra mile to get things done, look no further, Thanks Kaan!Trustindex verifies that the original source of the review is Google. Kaan and he's team are fantastic Good sense of humour very understanding and gets the work done
5-Star Rated Mortgage Broker
Independent, Whole of Market Access
Bespoke Service and Solutions
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.
Mortgage News & Articles
Information and Guidance
Independent Mortgage Solutions Provider
Serving property owners in and around London and the South-East
GET IN TOUCH WITH APPLY MORTGAGES
Have a question related to mortgages? Just fill in the quick form and one of our advisors will get back to you...
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