Across the marketplace lenders have preferences for different sectors of business. For example, one may prefer the leisure industry whilst another prefers commercial investment or care home propositions. Access Commercial Mortgages know the preferences of the numerous lenders in the marketplace and which lenders within each sector are offering the most competitive interest rates at any given time. This enables us to provide you with highly competitive mortgages that are tailor made to meet your requirements.

Traditionally, lenders would only be willing to lend on commercial propositions that can prove serviceability and affordability by way of supplying 3 years historical accounts, business plans and cash flow forecasts for the next 12 months. Access Commercial Mortgages have negotiated with their main mortgage providers who are now willing to be more flexible in their approach to lending. We are able to provide highly competitive mortgages for our applicants who can only provide one year’s historical accounts with rates starting at only 0.75%. Repayment terms can be from 5 to 30 years. We can also provide 100% mortgages where additional security is supplied.

Access Commercial Mortgages have numerous lenders who are able to provide ‘non-status’ business commercial mortgages for applicants who cannot provide 12 months accounts, have an adverse credit history or are starting on their first business venture.
We are able to provide ‘non-status’ facilities from 2.5% over bank base rate. Again, we are able to lend up to 100% finance if additional security is provided.

Most of our lenders are able to give you an immediate decision in principle and indicative rate. A formal offer can be made within days of the lender receiving all requested documentation with mortgage funds being available to be drawn by your solicitor shortly after.

Quotations are available without obligation.