Fixed Rates

You are now viewing the range of Fixed Rate commercial mortgage products.

To view other types of Commercial Investment mortgage product please click on the relevant product classification heading in the left hand menu bar and for full information on a particular commercial mortgage please click on the relevant box heading below.

There are currently few products showing because almost all commercial mortgages are priced on a bespoke basis, please contact one of our consultants for a quote and mortgage rate for your individual proposal.

Although standardised commercial mortgages do exist as you can tell from the above, many commercial mortgages are still priced on an individual basis, although an increasing number of off the shelf products are becoming available. The value of a broker within this field cannot be overstated, due to the bespoke nature of every single commercial mortgage transaction, with the need for acute market knowledge in order to understand what rates and terms are achievable.

The commercial mortgage market is characterised by complexities not present in the Residential and Buy to Let markets. The market in general does not feature the dynamic and highly competitive price points seen in the domestic market; however there are increasing numbers of lenders offering tranches of fixed rate money for small and medium sized loans.

Unlike the tick box and simple calculation approach employed in the domestic market to make lending decisions, the commercial market is based around complex pricing models and the verdict of lending panels at each individual institution. Above a certain minimum loan value (normally £500,000), all lenders will go to the money markets and price up a transaction based on a bespoke margin and SWAP rate price (the rate at which banks and building societies lend each other money).

To work out your commercial investment mortgage repayments please use our commercial mortgage calculator.