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Property Information

Please browse the list of topics below for our briefings on a series of frequently asked questions about commercial mortgages including non status and self certification loans, bridging loans, and up to 100% property development finance, as well as arrange of other types of business finance.

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How much can I borrow when buying a property based business such as a shop, hotel or nursing home?

Fri, 26 Oct 2007 - View Full Article

You may be able to borrow either simply against the value of the property with a commercial mortgage or bridging loan, or against the value of the business including the property.

How can I maximise the amount of money I can raise against a property?

Fri, 26 Oct 2007 - View Full Article

The upper limit that you can borrow using a commercial mortgage is currently approximately 85% of the property value and in practice many situations can only raise 70% to 75%. However there are options such as sale and leasebacks through which you can raise larger amounts and if this is of interest please contact us to discuss your requirements.

I already have a mortgage, can I raise further cash on commercial property using a second charge?

Fri, 26 Oct 2007 - View Full Article

Yes using specialist lenders but you will need the existing lender's agreement.

How does contamination affect my ability to borrow?

Fri, 26 Oct 2007 - View Full Article

You may still be able to arrange a commercial mortgage or bridging loan but a specialist survey will be needed.

Commercial mortgages - a background briefing

Fri, 26 Oct 2007 - View Full Article

With approximately 150 commercial property lenders operating in the UK today there is a wide choice of mortgage lenders offering a variety of services.

Property development finance - a background briefing

Fri, 26 Oct 2007 - View Full Article

Property development is a specialist area. We would recommend that you call us to discuss any potential development opportunities with our experts so that we can advise on the appropriate financing arrangements and therefore the details given below are restricted to the broad outlines only.

Bridging finance - a background briefing

Fri, 26 Oct 2007 - View Full Article

Bridging loans are expensive and risky forms of finance so you need to ensure you are well advised before taking one on.

What are my options if my bank has turned my application down?

Fri, 26 Oct 2007 - View Full Article

Banks lending criteria are conservative but there are many lenders that will provide commercial mortgages or bridging loans to businesses where banks are reluctant to lend.

Can I borrow on a petrol station?

Wed, 03 Oct 2007 - View Full Article

Yes you can raise a commercial mortgage on a petrol station using those lenders that are prepared to consider this type of property.

Can I raise more money by increasing my existing mortgage?

Tue, 02 Oct 2007 - View Full Article

Yes. In some cases the easiest way to obtain more cash against your building is to seek an increased mortgage from your existing lender.
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