Semi Commercial Mortgage
Suitable for both individuals and Limited company landlords
A semi-commercial mortgage is a mortgage for assets such as land or property with both residential and commercial parts. With semi-commercial mortgages, rates and acceptance is dependent on eligibility and other specific criteria. As a semi-commercial mortgage broker, our standard variable rate can range from 2.4% depending upon the circumstances (This is correct as of April 2022). With an initial fixed term the borrower can be shielded from BOE rate hikes.
With the changes in standard variable rates, your monthly payments can fluctuate. Funds are available to a person aged 18 or over. All financial backing will be subject to an appraisal of the financial standing of the applicants, property particulars and other factors. You can apply for a semi-commercial mortgage by contacting us or clicking on the given link. After reaching us, our professionals will assist you according to your funding needs.
Commercial Investment / Owner Occupier Mortgages
Typically covering all commercial property, commercial mortgages can be used for property investors who are active in the commercial property space or where a trading business owns or wishes to purchase a building to trade from. LTVs are generally capped at 70% LTV but for some sectors we can arrange commercial loans at 100% loan to purchase price.
BTL / HMO
BTL mortgages can be arranged on singular or multiple residential investment properties including blocks of flats. Mortgages for Houses of Multiple Occupation (HMO’s) are available for properties with 3 or more occupants and clients generally enjoy higher yields with this type of investment.
Medium Term Mortgages
These can be used to bridge a gap between acquiring or refinancing a property until a more long-term mortgage solution can be obtained and typically have a maximum term of 3-5 years. This could be a solution for properties that are not currently let or the current yield is too low to support a more tradition investment mortgage.