Commercial & Buy to Let Mortgages
Competitive Commercial Business Loans - Buy to Let Mortgages
The list of projects we can assist with is huge, but – and take a deep breath now – they include: industrial buildings, public houses, restaurants, bed and breakfasts, retail, mixed-use business premises with living accommodation, land, garages, offices, or even derelict buildings. And that's just for starters! Whatever project you're looking to access a commercial mortgage for, we can find the right solution, with the best variable or fixed interest rate, as well as the most suitable repayment plan.
Fast Flexible Affordable Commercial Loans
To allow maximum flexibility, we also offer clients a choice of repayment schedules including fixed loans as well as capital and repayment and / or interest only commercial mortgages, all with terms from three months to thirty years. And because we understand that there may be times when cash flow is slower, we can even add in repayment holidays – perfect for seasonal businesses.
Commercial Re Mortgages
If you already own property that may have increased in value, the team here at BWG could help you unlock the equity for any purpose. Perhaps you want to remortgage to secure a better interest rate, pay off debts and make a fresh start, or else raise a capital injection to make a purchase; we can guide you through the remortgage process quickly and easily. There's no need to endure a personal interview, we won't ask to see your accounts and business plan, and we don't mind if your credit rating is poor – your property is sufficient security. In some cases you could receive the money within just 10 working days.
Buy to Let Mortgages - Buy to Let Commercial Mortgages
We also offer a range of buy-to-let finance, covering one property to over one hundred on both purchases and remortgages. And if your needs are more complex? We can help there too. If you want to buy a house of multiple occupation (HMO), for example, we can steer you through the lending minefield, and if you have little or no cash deposit we may also still find the right lender for you. Perhaps you are a sitting tenant being given the opportunity of purchasing your property at a discount? Then we can secure up to 100% of the total price at which you purchase the property, or up to 80% of the actual market value, whichever is lower – as long as it doesn't exceed our loan-to-value threshold. With added security though, we could lend up to 100% of the open market value.
If you have an existing property portfolio we'd be happy to provide you a free lending health check to make sure that you're getting the best deal, and we can help you use this to fund and support more acquisitions. Or perhaps you're established in one area and looking to expand, adding to your portfolio without having to find a large deposit, or else you may be simply looking to buy premises from which to run your business.
Business Bridging Loans
Bridging Finance - Short Term Loans are also available, and in some cases – particularly if you're looking to refurbish or redevelop a property – they can be ideal, because the mortgage can be calculated on the completed value, which allows us to access the very best possible interest rates for you.
Whatever your lending needs, we understand that at times you need access to funding quickly, perhaps to purchase a property at auction, and we can use our excellent contacts to progress an application only with lenders who can advance monies in the timeframe you need.
We are proud of our specialist knowledge and will search for the best option for you from a wide range of products, providing competitive interest rates, an easy application process and a truly personal service with regular and honest communication. Why not contact us to talk through your individual needs.
