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COMMERCIAL LENDING – Competitive mortgages & protection insurance

Unlock your business potential with loans and commercial mortgages 

If you’re looking for a business loan, commercial mortgage or looking to refurbish your business or property or any other kind of loan for your business, we can find a range of options that could suit you and your needs.
We provide commercial lending in several specialist areas, we search the whole of the market and use a wide range of financing products to meet individual company requirements.

Commercial Mortgage

A commercial mortgage is any loan secured on property which is not your residence. Buy to let mortgages are a special type of high volume commercial mortgage which is packaged for a volume market. But since almost every other kind of premises are different, each loan has to be assessed individually and priced according to the risk.

Commercial mortgages up to 82% of property value, business goodwill can also be funded for certain sectors.

Whether you are buying a new property or refinancing, we can help you all the way. Our access to tailored solutions ensure we fully understand the business and the funding requirements, ensuring you get the right deal for you.

Your application will be managed through the whole process from enquiry to full credit sanction and through to completion.

Commercial mortgages are available to all applicant types; individuals, partnerships and limited companies, including situations where the property is owned by or to be purchased in the name of the directors and rented to their company.

Interest-only and part-repayment options are available with loan terms up to 30 years.

Professional practices can be financed to 100% of property value plus goodwill funding

Property types funded include the following:

Shops and other retail units* Offices
Industrial Units Factory Units
Warehouses Hotels and B&Bs
Garden Centres Restaurants, takeaways and Cafés*
Public Houses* Educational Establishments
Day Nurseries Care Homes
Professional Practices (e.g. doctors/dentists) Workshops
Car Showrooms Petrol Stations
Farms and other rural property*

*with or without accommodation

Please note this is not an exhaustive list, most property types can be funded.

It may also be possible to arrange commercial mortgages for applicants with previous credit problems.

Property Development Finance including conversion and refurbishment

Property development finance can be a challenging funding area, with many of the principal lenders having withdrawn from the market since 2008.  Using a professional broker is a good way to overcome this

With vast knowledge and experience, we can access over 25 development lenders operating in all areas of mainland UK.

Whether you are a major housebuilder, an experienced developer or looking to finance your first project we have a funding solution available for most projects large or small.

Loans can be arranged up to 100% of all costs (including both purchase and building related costs).

Interest rates start at 3.5% above bank base rate, which can often be added to the loan, allowing borrowers to make the most of their cashflow.

We can find funding for all types of projects including:

  • Commercial or residential properties of all sizes including multi-million pound schemes
  • ‘ground up’ building projects starting from just bare land
  • Refurbishment projects, no matter how little or as much work is required
  • Already part-completed projects at all stages, from just groundworks or foundations right through to almost complete
  • Phased developments

If you are planning to retain the property we can usually also arrange the long term finance, either with the same lender or a different lender where necessary to obtain the best possible terms for you.

For more information of Commercial lending please email info@sj-fs.co.uk or call 01423 561060 or complete our contact form below and we will contact you.

Commercial Lending online quote form

We may charge a fee for commercial mortgage and lending advice. The precise amount will depend on the circumstances but generally it will range between £750 to £1,500

This service is not regulated by the Financial Conduct Authority