A commercial mortgage is a loan granted for a commercial property, for example, a shop, shopping center, office building, warehouse, and so much more. Are you searching for a commercial mortgage deal to start your new business? If so, then Credas Financial’s services┬áis the answer for you!

Note: As a dedicated accountancy firm in the UK, we prioritize financial well-being. While we do not directly offer mortgage services, we collaborate with trusted professionals. We proudly recommend Credas Financial as our preferred mortgage advisor. Their expertise aligns seamlessly with our commitment to client satisfaction. Please note that our role is solely that of an introducer; we do not provide mortgage services directly. Clients are encouraged to assess Credas Financial’s services independently. We aim to facilitate informed decisions, fostering a comprehensive financial experience for our valued clients.

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Commercial mortgages are generally taken over once a business loan finishes. In most cases business loans are unsecured and can be a financial strain.

Lenders need security when they are dealing with more significant numbers. Commercial mortgages last from four to twenty years, depending on the interest rates attached to them. You must check the loan-to-value ratio to check whether the property is worth it.

The amount you generate varies if you use a commercial mortgage as an investment. It can be determined through the rental income generated via the investment. However, when dealing with commercial mortgages, remember that they should not exceed the actual loan.

Features of Commercial Mortgages

  • Commercial mortgages do not have a fixed interest rate.
  • The interest rates for commercial mortgages are relatively higher than other mortgage deals. This is because commercial mortgages are riskier to lenders than other deals.
  • In comparison to business loans, commercial mortgages make a better deal. They tend to consider all the financial aspects of your company. That way, you do not have to worry much about your finances.
  • Commercial mortgages ensure business security. The repaying period of a commercial mortgage is relatively higher than that of other deals.

Benefits Of A Commercial Mortgage

  1. Lower interest rates and fixed monthly payments ensure financial stability.
  2. You can maintain the ownership of your business despite mortgage loans. Other business loans take up your full authority until the loan period ends.
  1. Commercial mortgage payments remain the same, unlike other rental payment options.
  2. You can take your time in paying your commercial mortgage back, ensuring better future financial plans.
  3. It helps you generate extra income from your property.

Things to Consider

Commercial mortgage deals are not so simple. It would help if you considered the following things before making any decision.

  • You must consider your ability to repay the fixed monthly mortgage rates. You should consider your financial situation first and decide which deal suits you best.
  • You will be seen as high-risk if you have not traded for long. Hence, lenders might ask you for a personal guarantee to ensure you proceed with the application.
  • Deposits for commercial mortgages can be a big deal. So, you must see whether you can pay for it or not.

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Get in Touch

Come and visit our offices or simply send us an email anytime you want. We are open to all suggestions from our clients.
94 Street Lane
9 Sheaf Lane
Coventry Road
B23 6EJ, UK
0113 8870 218
0121 7268 542
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    Leeds: 94 Street Lane, LS8 2AL
    Birmingham: 9 Sheaf Lane, Coventry Road,B26 3EJ
    London: Suite 2462, Unit 3A,34-35 Hatton Garden, EC1N 8DX
    Bradford: 22 Muirhead Drive, BD4 0HJ

    OUR LOCATIONSWhere to find us
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    Leeds: 94 Street Lane, Leeds
    Birmingham: 9 Sheaf Lane, Coventry Road, Birmingham
    London: Suite 2462, Unit 3A,34-35 Hatton Garden,London, EC1N 8DX
    Bradford: 22 Muirhead Drive, Bradford, BD4 0HJ
    OUR LOCATIONSWhere to find us
    Leeds: 0113 8870 218
    Birmingham: 0121 7268 542
    London: 0208 0908 998
    Bradford: 44 7515 029751
    GET IN TOUCHCare Accountancy Social Links
    Taking seamless key performance indicators offline to maximise the long tail.

    Copyright by CareAccountancy. All rights reserved.

    Copyright by CareAccountancy. All rights reserved.

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