Get a quote

Commercial Mortgages

At Ubique Investment Group, we specialise in providing commercial mortgages to businesses. Our services cater to a variety of industries, offering funding solutions tailored to your specific business property requirements.

Whether you are looking to purchase, refinance, or renovate a commercial property, our team can guide you through the process. Covering and the surrounding area, we strive to facilitate your business growth through strategic funding.

What Is a Commercial Mortgage?

A commercial mortgage is a loan used to secure business properties, such as offices, retail spaces, or industrial units. At Ubique Investment Group, we provide commercial mortgages that help businesses acquire or refinance these properties.

Unlike residential mortgages, commercial loans often involve an assessment of the property's income-generating potential and may require a solid business plan and financial forecasts.

We understand that each business has specific requirements, which is why we offer loans with varied repayment structures. Our funding solutions can cover long-term assets and support growth through development finance options.

Typically, commercial mortgage terms range from three to 25 years, allowing for manageable repayments. We're also familiar with industry standards and can guide you in meeting lenders' criteria for debt service coverage ratios, which are essential for securing the right loan.

Understanding your unique needs, we offer competitive rates and flexible terms to support your business ambitions. Contact us today to discuss how we can assist your business.

How Much Does a Commercial Mortgage Cost?

Commercial mortgages typically start from around 2% above the base rate. At Ubique Investment Group, we offer tailored interest rates depending on your financial standing, property type, and loan duration.

Factors such as the loan-to-value ratio (LTV), type of property, and your business creditworthiness can influence the total cost of the loan. Additionally, the purpose of the property, whether it's for retail, office, or industrial use, plays a crucial role.

Properties leased to high-profile tenants might attract more favourable rates due to reduced risk. We assess these alongside your business's operational history and profit margins.

Regulatory requirements and market conditions also affect cost considerations. Our advisors assess all these factors to provide holistic guidance, ensuring you find the most cost-effective solutions for your commercial property needs.

Book a Commercial Mortgage Consultation

Why Choose Ubique Investment Group for Commercial Mortgages?

Choosing Ubique Investment Group for your commercial mortgage needs gives you access to personalised service and expert financial advice. Our experienced team understands the complexities of the commercial property market and provides solutions that are aligned with your business goals.

We offer a variety of mortgage types, including fixed-rate and interest-only mortgages, tailored to sectors such as retail, industrial, and office spaces.

Our thorough due diligence process ensures we assess financial, legal, and project feasibility aspects, reducing the risks associated with property investments. We maintain partnerships with major lenders and have access to a broad range of lending products, allowing us to secure favourable terms for you.

We take pride in our local knowledge, competitive rates, and commitment to facilitating your property ventures. Whether you are looking to refinance or purchase new premises, we are equipped to handle transactions efficiently and professionally.

Call our team today to discuss how we can assist you.

What Types of Commercial Mortgages Are Available?

We offer a range of commercial mortgage types, each tailored to specific business needs and property ambitions:

Owner-Occupied Mortgages: Designed for businesses intending to operate from the purchased property, these loans often feature terms that consider the company's occupancy and revenue generation potential.
Investment Mortgages: Suitable for buying property to let, these mortgages typically focus on the property's rental yield and the borrower's experience as a landlord or property manager.
Refinance Mortgages: Intended for borrowers seeking better terms on current loans, refinancing can involve adjusting interest rates and repayment schedules to align with your financial strategies.
Development Loans: Used for financing construction and renovations, these loans often have specific milestones and draw schedules to fund different phases of your property development project.

Each type comes with its own terms and advantages, designed to meet your business objectives. Contact us today to discuss which mortgage type aligns best with your financial plans.

How Does a Commercial Mortgage Work?

The process of securing a commercial mortgage involves several key steps that align with industry standards.

Initial Consultation: Discuss your requirements and financial status with our team. We consider factors like your business credit score and debt service coverage ratio to provide tailored advice.
Application: Submit business plans and financial documentation, including profit and loss statements and cash flow projections, which help us assess your business's financial health.
Property Valuation: A professional valuer conducts an assessment of the property's value, taking into account its location, condition, and potential revenue generation. This valuation is crucial for determining the loan-to-value ratio.
Approval and Offer: Receive and review the mortgage offer terms. Our underwriting team evaluates your proposal to ensure it meets lending criteria, using standards such as debt yield and interest coverage ratios.
Completion: Formalise the agreement and fund release. This stage involves preparing the necessary legal documents and is facilitated by our collaboration with solicitors to ensure all statutory requirements are met.

Our advisors work with you at each stage to ensure an efficient and effective process tailored to your commercial needs. Contact us today to start your commercial mortgage journey.

What Are the Benefits of Commercial Mortgages?

Commercial mortgages offer numerous benefits to businesses:

Property Ownership: Secure a permanent location for your business, ensuring stability and avoiding the unpredictability of rental markets.
Capital Growth: Potential for property value appreciation, especially in high-demand areas, can significantly increase your business's asset base over time.
Tax Benefits: Interest payments may be tax-deductible, reducing the overall expense of servicing the loan. Additional allowances might include deductions for specific property-related costs, providing further financial relief.
Flexible Financing: Customizable loan terms tailored to your needs. Options such as fixed or variable interest rates and amortisation periods ranging from 5 to 25 years allow businesses to choose repayment plans that suit their financial strategies.

These advantages make commercial mortgages a strategic financial tool. Get in touch to learn more about the advantages of a commercial mortgage for your business.

Speak to a Commercial Mortgage Expert

Frequently Asked Questions

What is the minimum deposit for a commercial mortgage?

Typically, commercial mortgages require a minimum deposit of 25% to 40% of the property value. The exact amount can depend on the lender's policies and property type.

How long do commercial mortgage terms last?

Commercial mortgage terms generally range from 5 to 30 years. The best term length for you will depend on your financial strategy and repayment capability.

Are there penalties for early repayment?

Some commercial mortgages come with early repayment charges. At Ubique Investment Group, we discuss potential penalties upfront to ensure transparency.

Can I use a commercial mortgage to buy mixed-use property?

Yes, commercial mortgages can be used to purchase mixed-use properties. We provide flexible financing for properties that combine residential and commercial spaces.

How can I apply for a commercial mortgage with Ubique Investment Group?

Contact us to schedule a consultation. Our team will guide you through the application process, tailored to your specific needs.

Get a Free Quote for Commercial Mortgages

Take the next step in securing your business’s future. Contact Ubique Investment Group today.

Get a Commercial Mortgage Quote Today