Commercial Mortgages in Derby and Derbyshire

Commercial Mortgages, Business Finance and Investment Lending

Whether you are an established business, an investor wanting to buy a property or refinance one, or a newcomer to the commercial property market, Howard Thomas is here to make the process as stress-free and rewarding as possible.

The approach to commercial mortgages can be very different from the approach to homeowner mortgages. For a start, one commercial mortgage may involve taking a charge (or mortgage) over more than one property and there can be second charges as well as first. Also, lenders frequently want applicants to have experience, either in the business they are buying or, if you are an investor, as a commercial landlord.

Then there is far more variety in the type of institution which may lend you the money; major high street banks, challenger banks or finance houses, specialist lenders, crowdfunders, Government agencies……….the list goes on.

In fact there are so many variables, taking into account the applicant’s attributes, the business or property involved, the lender’s policies and procedures and the terms of the loans (interest rates, fees, repayment profiles etc.) that one might conclude that there is no such thing as a normal commercial mortgage!

Howard Thomas looks carefully at the particular circumstances of your proposal and matches them as exactly as possible to a suitable, willing lender. This gives you the best chance of obtaining the right finance for your business or investment.