Commercial Mortgages

Business Advisors who understand Commercial Mortgages

Whether you're a first-time landlord or an experienced property business, we believe you need a broker that is supportive, forward thinking and personable.

So we spend a great deal of time getting to know our clients. Understanding their needs in order to make borrowing money for a property purchase, as straightforward and hassle-free as possible.  

Building Relationships

Our team of Business Advisors will take the time to build close relationships with their clients. By listening to their needs and business aspirations.  Enabling us to find the best products to help their business go further.

Collectively, Go Commercial Finance has over 65 years of experience processing commercial mortgage and business finance applications with a whole of the market lender panel. In other words, we are not tied to any one bank or funder. But able to provide a clear view of what is available in the marketplace. Doing this by cross-referencing individual status and requirements against all lenders' criteria.

Unlike many brokerages, our consultants are either former business owners or former bank managers. So with extensive experience in the property lending market, they have a deeper understanding of your requirements, and how to get the best lending solution.

How are we different?

We offer all the usual perks of a commercial mortgage broker. And are often able to access better deals that would be offered if the lender was approached directly. However, we don’t think this alone is enough.

We also offer:

Complete professionalism. It’s common for businesses to approach commercial mortgage broker to then be left in the dark. None the wiser about the progress of their mortgage. At Go Commercial Finance, we work differently. Ensuring you are informed of each development as and when it happens. We keep in contact with your IFA, accountant and solicitor to ensure a seamless transaction.

Increased appeal to lenders. Due to our experienced brokers knowing exactly how to package your business. Making it more attractive to lenders. Knowing which lenders to approach for specific products, ensuring the very best deal for you with no upfront fees.

Initially, we will meet with you to discuss your requirements. We then provide you with indicative terms with accuracy at an early stage and at no cost. Completing £millions every year across a broad range of commercial lenders.  

Remember - any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage.

Experienced Professionals to Support you Throughout

Go Commercial Finance Ltd has sector experienced underwriters with in-depth knowledge of all lender criteria so we are ideally placed to satisfy all client requirements.

    •    Up to 85% Loan to Value available
    •    Interest rates from 2% over bank base rate (currently 0.75%)
    •    With Interest-only options available (10 years)
    •    Loans from £50k to £25 Million
    •    Access to a huge panel of lenders including specialist lenders with restricted access
    •    Large loan specialists
    •    Owner occupied, investment and portfolio applications
    •    Commercial and residential investment specialists
    •    Freehold Flats acceptable

Case Studies

Case Study 1

Go Commercial Finance met with a talented husband and wife business team, directors of a Welsh-based interior design business. Experienced property developers and landlords with a large, personally owned property portfolio. They were looking to refinance premises, which they had converted from commercial use into seven luxury apartments and four retail units, one of which houses their business.

What was the finance for?

In this instance, the entire building was owned by their trading limited company. The building generated around £115k per year in rents. Some c£60k from the apartments and c£55k from the retail units.

We were able to refinance and obtain the funds the clients required at competitive rates, quickly and to suit their requirements. Building a brilliant working relationship with clients is something that we pride ourselves on. These clients keep us informed of their progress and milestones within the business. Enabling us to assist with future requirements.

Go Commercial Finance Ltd, Buy to Let, finance
Go Commercial Finance Ltd, Retail, Commercial, finance
Case Study 2

Funding the purchase of a redundant industrial building. Situated on a high street that has become a prime trading location. The developer had an exciting vision to convert it into a retail precinct, complete with food court and mini supermarket, to complement the vibrant retail activity adjoining it.

Taking a view on the proposition.

Our client asked us if the lender would take a view on planning permission as previous consents were inappropriate and had expired. Renewal of the most recent consent had been refused as it no longer satisfied the local authority's requirements in relation to design. However, the shareholders of the borrowing company supported the project. With both a cash equity injection and collateral security we were encouraged to take a holistic view on this issue and perceived construction risks.

Flexible terms to help your development become a success

There are many excellent products available for refurbishment and renovation projects, which can provide:

100% Build Cost funded

90% Total Costs (Land & Build) can be funded

Exit finance can be arranged

Mezzanine finance available