Commercial Mortgages
Looking to secure a commercial mortgage? Fennel Financial is here to help you navigate the complexities of business financing, ensuring you find the perfect fit for your company’s unique needs.
Your Trusted Partner in Commercial Mortgages
A commercial mortgage is a type of loan secured against a property that is not intended for residential use. Often referred to as ‘business mortgages,’ these loans are designed for business owners looking to purchase property or land for commercial purposes. Whether you need a space for your own business operations or are investing in commercial real estate to generate rental income, a commercial mortgage can provide the necessary funding.
At Fennel Financial, we understand that each business has its own financial situation and goals. Our team of experts works closely with you to identify the most suitable mortgage options available.
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Our Commercial Mortgage Services
Fennel Financial offers a comprehensive range of commercial mortgage services to support your business growth and property investment needs.
Retail Property Financing
Secure funding for your retail spaces with competitive rates and flexible terms tailored to your business requirements.
Office Space Mortgages
Obtain the necessary financing to acquire or refinance your office locations, ensuring your business has the space it needs to thrive.
Why Choose Fennel Financial for Your Commercial Mortgage
Partnering with Fennel Financial means you’ll benefit from our extensive experience and personalised approach to securing the right commercial mortgage for your business.
Access to a wide network of reputable lenders with competitive rates.
Expert guidance through every step of the mortgage process.
Tailored solutions to meet your unique business needs.
Understanding Commercial Mortgages
Commercial mortgages work in a similar way to residential mortgages, where a lender provides funding to purchase a property, which is then repaid over an agreed period. The key difference is that commercial mortgages are used to finance business premises rather than residential homes. Borrowers must ensure they keep up with repayments to avoid defaulting on the loan.
There are two main types of commercial mortgages:
Owner-Occupier Mortgages – These are for businesses looking to buy a property to operate from, such as an office, retail space, or industrial unit.
Commercial Investment Mortgages – These are used to purchase properties intended for rental income, such as offices, warehouses, or retail spaces that will be leased to tenants.
Commercial mortgages can offer long-term financial stability for businesses and investors, but securing the right deal requires careful planning. If you’re considering a commercial mortgage, expert advice can help you find the most suitable lending solution.
Book an appointmentFrequently Asked Questions
Have questions about commercial mortgages? Here are some common queries we address to help you understand the process better.
A commercial mortgage is a loan specifically designed to finance the purchase or refinancing of commercial properties such as offices, retail units, or industrial spaces.
Commercial mortgages typically involve larger loan amounts, different interest rates, and may require commercial property appraisals. Additionally, lenders assess the income potential of the property and the borrower’s business performance.
Approval is influenced by the property’s value, the borrower’s credit history, the business’s financial health, and the potential income generated from the property.
Yes, commercial mortgages can be used to finance property development projects, subject to lender approval and project viability.
Loan-to-value ratios for commercial mortgages usually range between 60% to 80%, depending on the lender and the nature of the property.
The timeframe can vary based on the complexity of the transaction, but it typically takes between 60 to 90 days to secure a commercial mortgage.
Still have Questions?
Use the links below to get in touch with the Fennel team
