Commercial Mortgage Rates on a Range of Business Mortgages

To view the available range within a particular type of Commercial Owner Occupier mortgage product please click on the relevant product classification heading in the left hand menu bar and for full information on a particular product 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 to discuss the dynamics of your individual proposal which will determine the mortgage rate.

Although set interest rate commercial / business mortgages do exist as you can tell from the above, many mortgages are still priced on a case by case basis, although an increasing number of off the shelf commercial mortgage products are becoming available. The value of a broker within this field is essential, due to the bespoke nature of every single commercial mortgage transaction, with the need for strong 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 mortgage markets. The market 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.  Please consult one of our mortgage consulatnts to discuss current commercial fixed rate mortgages to suit your needs.

Unlike the criteria based tick box and calculation approach employed in the residential mortgage market to make borrowing decisions, the market is based around complex pricing models and the verdict of lending panels at each individual lender. All mortgage lenders, above a certain minimum loan value (normally £500,000), will go to the money markets and price transactions based on a bespoke margin and SWAP or bank base rate.