Goodman Corporate

What Is A Commercial Mortgage?

A commercial mortgage is a loan secured by commercial property, such as an office building, warehouse, or retail center. This type of mortgage is used by businesses to purchase, refinance, or redevelop commercial real estate.

Unlike residential mortgages, which are designed for individuals buying homes, commercial mortgages are intended for business entities like corporations, developers, and partnerships.

We offer a range of property finance solutions designed to meet your specific financial needs. Explore the options available to you:

Commercial Property Mortgages – Financing solutions for business premises or commercial investments.

Residential Development Financing – Funding for residential development projects of varying scales.

Buy-to-Let Mortgages – From single properties to expansive portfolios, we provide buy-to-let options that match your goals.

Commercial Investment Mortgages – Customized financing for commercial property investments.

With financing available up to 100% loan-to-value (LTV) with additional security, our team will support you from initial application through to completion, ensuring a smooth and successful funding process.

How Does It Work?

Whether you operate in commercial, residential, or investment sectors, we offer loans starting at a minimum of £25,001 with no upper limit. Let us help you find the right mortgage or finance solution to grow your business. Reach out to our team for expert guidance on your next property investment.

Commercial mortgage terms can vary significantly. They are generally structured as either fixed-rate or variable-rate loans. The loan-to-value (LTV) ratio, interest rate, and repayment schedule will be determined based on the lender's assessment of risk.

The terms can be structured in various ways, including amortized payments over a set period or interest-only payments with a lump sum due at the end of the term.

What Are The Benefits?

Access to capital

A commercial mortgage provides businesses with access to significant capital that can be used to purchase or improve properties. This allows businesses to invest in real estate without depleting their cash reserves.

Potential for appreciation

Investing in commercial property can offer the potential for appreciation over time. As the property's value increases, the business can benefit from increased equity and potential resale profits.

Tax advantages

Interest payments on a commercial mortgage are often tax-deductible, which can provide financial benefits to the business. Additionally, depreciation of the property can be used as a tax deduction.

Cashflow management

Owning commercial property can help businesses manage cash flow more effectively. Rental income from tenants can be used to cover mortgage payments, and owning rather than leasing can provide long-term financial stability.

A commercial mortgage is a powerful financial tool for businesses looking to invest in or expand their real estate holdings. By understanding how these mortgages work and the benefits they offer, businesses can make informed decisions that align with their strategic goals.

Why Choose Us?

Experience

We have been trading for over 18 years, you are in experienced, professional hands.

We have handled transactions from as little as £25,000 through to £60,000,000 with more than £2 billion funded across UK SME's to date

Leaders

We are leaders in the commercial finance broker field within the UK.

Our Founder and Chair was the Chair of our National Trade Body for over 10 years, he knows what good looks like and leads from the front when it comes to all aspects of commercial finance.

Expert Guidance

Our expert guidance puts you and your business at the centre of what we do.

With our gold standard, “hand-held, and cradle to grave” service, you’ll be looked after right through from the initial inquiry until your funds are released.

Business Owners

We understand the struggles and priorities of running a business, we are business owners ourselves.

Why not let us deal with the paperwork and sourcing finance while you deal with your day-to-day operations?

Goodman Corporate Finance is a trading style of Goodman Corporate Consultancy Ltd. Company no 5364029.

Goodman Corporate Finance is an independent commercial finance brokerage and not a lender. We may receive payment from the finance provider should you decide to enter into an agreement with them. Goodman Corporate Consultancy Ltd is Authorised and Regulated by the Financial Conduct Authority under number 733340. Goodman Corporate Finance is registered with the ICO no. Z1828753.

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