Long term Commercial Loans

Long-term business finance allows businesses to borrow funds over several years, offering affordable repayments.

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Long Term Finance

This incorporates long-term mortgages which can be used for an array of property transactions, ranging from singular BTL mortgages to complex mixed-use portfolio mortgages.

Long-term financing refers to a suite of products which provide an efficient way to fund purchases and refinancing from higher rate short-term solutions.

With a number of lenders in this space, it is important that your situation is presented in the right way so lenders can take a commercial view on it. The difference from one product to another can be substantial at times.

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 Read more.


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 Read more.

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

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Quite similar to commercial mortgages, these facilities are used for a mixed use scheme that consists of commercial and residential space, a flat above a shop for example. Due to the residential element, it normally means the LTV can be up to 75% which is higher than a pure commercial loan Read more

Secured Loans

A secured loan is one that is secured by the equity you have built up in a property you own. These loans are also known as homeowner loans or second-charge mortgages, as they can raise a deposit for a second home or investment for a business. Securing a loan against a property may mean that lenders are more flexible with their criteria. You may find that you have a better chance of getting accepted, get a lower interest rate and could even borrow a larger amount of money.  Lenders will also set a maximum loan-to-value (LTV) that you can borrow depending on your affordability and credit record. Read more

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