Commercial MORTgAGES
Simply Mortgages are an award winning mortgage brokerage, we are highly experienced working with businesses to secure loans in excess of £250,000 to purchase or refinance commercial property.
WHY TRUST SIMPLY MORTGAGES
At Simply Mortgages, we’re committed to guiding you through every step of the mortgage process, from application to completion, ensuring a smooth and seamless experience. Even once your mortgage is complete, our support doesn’t end there. We offer ongoing assistance with any future projects, concerns, or queries you may have. Our aim is to be your trusted, long-term funding partner.
Simply Mortgages secures bespoke mortgage terms for our clients. We define high net worth mortgages as starting £500,000 with no upward limit.
WHAT SETS US APART FROM OTHER MORTGAGE BROKERS
Our team at Simply Mortgages brings together decades of experience and expertise. We’ve helped numerous personal and business clients successfully buy and remortgage commercial, semi-commercial, and residential properties.
Our strong relationships with lenders and prominent position in the commercial mortgage market allow us to access exclusive mortgage products that aren’t available to the wider public.
At Simply Mortgages, you gain more than just a typical brokerage service. We use our industry knowledge and established connections to negotiate tailored terms and deliver market-leading solutions. Whether it’s a straightforward transaction or a more complex deal, we collaborate closely with our lending partners to ensure you receive the best mortgage options available.
Begin your journey towards securing the ideal commercial mortgage today. Whether you’re a seasoned investor or just starting out in commercial property, Simply Mortgages is here to help you get the best deal possible.
Simply Mortgages private clients
Simply Mortgages has excellent relationships with private finance providers through out the England, Scotland, Wales & Northern Ireland.
We can secure funding in the name of an individual, a corporate company, SIPP pension scheme or via a trust.
We fully understand the complex intricacies surrounding arranging large loans and with our experience, we can ensure that the lender fully understands our clients personal situation that the process is as seamless as possible.
WHO CAN APPLY FOR A COMMERCIAL MORTGAGE
At Simply Mortgages, we work with a wide range of clients, including individuals, limited companies, Special Purpose Vehicles (SPVs), and offshore entities.
The standard process for applying for a commercial mortgage starts with Simply Mortgages submitting a full application, along with a comprehensive credit summary proposal. The relevant property is then valued, and if approved, the lending institution will issue a formal mortgage offer.
Each lender has different requirements, but typical qualifying information includes details such as your credit history, relevant experience, the amount of the loan, the purpose of the loan, your repayment capacity, and the security you can offer against the loan.
While some lenders may consider applicants with adverse credit histories, having a clean credit record usually provides access to a wider choice of lenders and more competitive terms.
If you’ve been declined in the past, understanding the reasons can be helpful. However, being declined once doesn’t necessarily mean you cannot apply again in the future.
WHY CAN I NOT FIND THE RATES THAT ARE AVAILABLE
Commercial mortgages rates are unlike rates for residential mortgages and personal loans.
They are not a pre-determined offering because there are more considerations to take into account on a case by case basis.
Each application for a commercial mortgage is treated individually by the lender and the offer will include the rates at which the lender is prepared to undertake the financing, generally based upon LTV’s and risk profile.
Together with factors, the lenders decision and the rate offered will be made based on the individual circumstance of the applicant, taking into consideration all risk factors, size of loan, length of loan etc.
WHAT DO I NEED TO BE AWARE OF?
Simply Mortgages are a relationship focused commercial mortgage broker. We work hard on the relationships we hold with the lenders we work with.
We will use our influence to ensure we open the right doors so that you will have an ongoing relationship with the provider.
We are recognised by the NACFB as member firm who provide expert advise based on clients circumstances and tailored solutions to suit client demands
We offer complete discretion. Simply Mortgages operates in a highly regulated industry, we always ensure that we adopt the highest standard of data privacy. Whether you prefer to conduct meetings face to face or via the phone, video call and email, the choice is yours.
To discuss your requirements in more detail, use the link below.
Find out more about how we can help you with your commercial mortgage requirements by calling us on 01772 217917. Alternatively send us an email, we guarantee to respond to all enquiries the same day.