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Commercial
Mortgage

Commercial mortgage is a loan granted for a commercial property, for example a shop, shopping center, office building, a warehouse and so much more.

Are you in search of a commercial mortgage deal to start your new business? If so, then Care4Mortgages are the answer for you!

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SOLUTIONS FOR YOUR MORTGAGE

Commercial Mortgage
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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 larger numbers. A commercial mortgage lasts from four to twenty years, depending on the interest rates which are attached to it. You must check the loan-to-value ratio in order to check whether the property is worth it or not.

If you are deciding to use a commercial mortgage as an investment then the amount you generate varies drastically. It can be determined through the rental income which is generated via the investment. However, when dealing with a commercial mortgage you must keep in mind that it should not exceed the actual loan.

Features Of A Commercial Mortgage

  • 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 more 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 other deals.

Benefits Of A Commercial Mortgage

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

Things To Consider

Commercial mortgage deals are not so simple. It is best that you consider 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 then decide which deal suits you best.
  • If you have not traded for long, you will be seen as high-risk. Hence, lenders might ask you for a personal guarantee to make sure you move ahead with the application.
  • Deposits for commercial mortgages can be a big deal. So, you must see whether you can pay for it or not.

Please note that these mortgage services are provided by Care4Mortgages which is a trading style name of Mian Asif Zubair who is an Appointed Representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority 450731. DPA number Z1092956.

Mr. Zubair is a qualified mortgage broker holding the qualification of CeMAP with FCA number 814367.

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Rhoundhay
Leeds
LS8 2AL, UK
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Coventry Road
Birmingham
B23 6EJ, UK
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0121 7268 542
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    9 Sheaf Lane, Coventry Road, Birmingham
    OUR LOCATIONSWhere to find us
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    GET IN TOUCHCare Accountancy Social Links
    Taking seamless key performance indicators offline to maximise the long tail.

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    Copyright by CareAccountancy. All rights reserved.