Commercial mortgage variable rates

We’re able to negotiate both discounted and tracker commercial mortgage products for property investors and potential owner-occupiers alike.  Discounted variable rates will tend to last between two and five years depending on your needs and requirements. 

Variable rate commercial mortgages will either be priced as a margin above Bank of England Base Rate (BBR) or LIBOR (London Interbank Offered Rate). Current pricing between BBR and LIBOR offerings are at their highest due to market liquidity. Normally the difference is only some 3bp to 35bp but since late 2008, this is linkage hasn't performed well; currently (March 2009) the difference is a very large 130bp. It is hoped that quantitative easing will alleviate this margin and lender pricing will improve.

All our variable commercial mortgages  are tailored to meet the borrower's needs. Where suitable elements of the bespoke loan structures available can include - interest only mortgages (in the majority of cases for a period of the mortgage term) and long term repayment terms up to 30 years (with initial discounted periods).

All our variable rate commercial mortgages cover differing property and borrower types, but it important to consider that the mortgage lender will offer better rates to certain property types and businesses with strong proven track records. Our mortgage solutions cover the majority of property types and we have a proven track record in securing mortgage funding across numerous industries.

To talk to one of our team about your individual commercial proposition please telephone us or fill in an enquiry form.