COMMERCIAL MORTGAGES & LENDING
If you’re looking for a commercial mortgage or lending, we are an introducer to Watts Commercial Finance Ltd who can offer advice and expertise to assist you. A commercial mortgage is often the best and most flexible way to finance the purchase of a business. Our expert team of advisers at Watts Mortgage & Wealth Management Ltd can discuss your needs including your personal residential finance options and work with you and our trusted partner to find the right solution for your commercial finance needs.
A commercial mortgage is a loan secured against property that is not your primary residence. These loans are typically used by:
- businesses purchasing office space, shops, warehouses, or factories
- investors buying commercial property to let
- landlords expanding mixed-use or multi-unit property portfolios.
Unlike residential mortgages, commercial mortgages are assessed on both the property and the borrowing business or individual’s ability to repay the loan.
A business mortgage plan differs from regular mortgages, as you will typically pay a higher interest rate and need a larger deposit. Having a specialist on board to help match you to the right lender can make the application process much more manageable.
Get in touch with us today, and we can direct you to Watts Commercial Finance Ltd who can offer tailored advice to ensure you make an informed decision when it comes to commercial mortgages and lending.
- Flexible funding: Access to funds throughout every stage of your project.
- Cost-effective: Potential savings compared to purchasing a pre-built home.
- Tailored finance: Flexible mortgage structures to suit your build and budget.
- Long-term value: Potential for increased property value upon completion.
- Prepare a strong business case
Lenders want to see a solid business plan and clear financial projections. - Know your credit profile
Both your business and personal creditworthiness can impact loan terms. - Understand deposit requirements
Most commercial mortgages require a deposit of 25–40% of the property value. - Consider interest rate types
Fixed, variable, and tracker rates are available, each with pros and cons. - Use an independent broker
Brokers like Watts Commercial Finance Ltd provide access to exclusive deals and negotiate on your behalf.
To find out more about how to get started with a commercial mortgage, talk to one of our independent advisers today, by calling 01270 620555 or fill in the enquiry form. We’d be delighted to assist you.
MAKE AN ENQUIRY
If you’re looking for mortgage advice, contact Watts IFA today. Our expert team can help you secure the best mortgage based on your contracting status and financial situation.
Alistair Macarthur
Senior Mortgage Adviser
Watts Commercial Finance, with whom we have a close working relationship can offer extensive expertise in the business and commercial finance sector. They offer assistance to a diverse range of clients, from small sole traders to large limited companies, across various industries. The team at Watts would be delighted to speak to you regarding all your Commercial lending needs”
With our extensive experience and access to a vast lender network, Watts Mortgage & Wealth Management Ltd is the ideal partner for those seeking a tailored mortgage solution. Contact us today, and let our dedicated advisers guide you through the process.
AWARDS AND ACHIEVEMENTS
Commercial mortgage FAQs
Watts Commercial Finance Ltd can help you secure finance for offices, retail units, warehouses, mixed-use buildings, buy-to-let portfolios, and more.
It varies depending on the property value, business income, and deposit size. Typically, you can borrow up to 70–75% of the property’s value.
On average, 6–12 weeks from application to completion, though timescales vary depending on complexity.
Yes. With the right advice and documentation, first-time commercial investors can access a range of competitive deals.
Get in touch with us today, and we can direct you to Watts Commercial Finance Ltd who can offer tailored advice to ensure you make an informed decision when it comes to commercial mortgages and lending.
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INDEPENDENT MORTGAGE ADVICE AND PROTECTION FOR YOU
Welcome to Watts!
Our friendly, knowledgeable and experienced team are here to help find the right mortgage and life insurance for you. We have helped thousands of clients, over 30 years buy their dream home and ensure their family is protected.
We are a family business and pride ourselves on our customer service. As an independent company, we can search from over 100 lenders and insurance companies to help you get the best deal.
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We search over 100 lenders to find the right mortgage for you
I just wanted to say a massive thank you for your assistance in my purchase. I would like to place on record my appreciation of the professionalism and tenacity of Emma. She has kept me fully updated in terms of progress and answered all of my questions in a timely manner. Great service and hope we can do business again in the future.
A. Henshall
