Commercial Mortgages
Structured commercial mortgage solutions for property acquisition, refinance and longer term property backed borrowing.
Whether the requirement relates to owner occupied premises, investment property, equity release or wider refinancing, the quality of the structure can materially influence lender appetite and the eventual funding outcome.
Purchase, refinance, equity release and longer term property backed funding for commercial premises and investment assets, where lender fit, leverage and repayment profile all matter.
Longer term property finance, structured around income, leverage and purpose.
A commercial mortgage is typically used to purchase or refinance commercial property, or to release equity from an existing asset, where the borrowing can be supported by the property and the wider strength of the case.
Depending on the transaction, facilities may be structured over longer terms than short term property finance, with repayment profiles aligned to investment or owner occupier requirements.
Commercial mortgages can apply across a wide range of property types.
A commercial mortgage is one property finance route, not automatically the right one.
A longer term mortgage can be appropriate where the property, income and repayment profile support the transaction. However, timing, condition, intended works, ownership structure or the wider commercial requirement may point towards another form of property finance.
The starting point should therefore be the transaction and the intended outcome, rather than simply the product name.
Asset quality, income and structure can all matter.
Structure the transaction before approaching the market.
The Aftersales Network Limited is a credit broker and not a lender. We assess the transaction, property, leverage, repayment profile and likely lender appetite before identifying and positioning an appropriate route where suitable.
That means more than simply sourcing a rate. It means considering how the transaction should be structured and presented before it reaches the market.
The property and transaction need to withstand lender scrutiny.
Valuation, title, leases, tenancy profile, planning, permitted use, ownership and marketability can all influence how a commercial property transaction is assessed.
Explore Property Due DiligenceCompliance can affect value, use, timing and financeability.
EPC ratings, MEES requirements, fire safety, asbestos and other property considerations may become relevant depending on the asset, occupation and proposed transaction.
Explore Property ComplianceStart with the property transaction. Then identify the funding route.
Tell us about the property, transaction, amount required and what you need the funding to achieve. We will consider whether a commercial mortgage is an appropriate structure or whether another property finance route should be explored.
Explore other property finance routes.
Where a transaction does not fit a longer term commercial mortgage, another property funding structure may provide a more appropriate route.
Buying, refinancing or releasing equity from commercial property?
Complete our Strategic Funding Assessment and tell us about the property, transaction and intended outcome. We will consider the wider property finance structure before identifying an appropriate route forward.
