Commercial Mortgages
Finance for purchasing and refinancing commercial property
Whether you are purchasing premises for your own business, investing in commercial property or looking to refinance an existing facility, BAT Financial Solutions can help you explore your commercial mortgage options.
Commercial property finance can be more complex than a standard residential mortgage. The property, its use, the business occupying it, rental income, loan structure and your wider financial circumstances can all influence the options available.
What can a commercial mortgage be used for?
Commercial mortgages may potentially be used to:
- Purchase owner-occupied business premises
- Purchase commercial investment property
- Refinance an existing commercial mortgage
- Release equity from a commercial property
- Purchase offices, retail units, industrial units and warehouses
- Finance certain mixed-use or semi-commercial properties
- Support a wider business investment or restructuring
Buying commercial premises
Owning your business premises can provide greater control over your property costs and long-term plans.
Whether you are purchasing an office, warehouse, industrial unit, retail premises or another commercial property, we can help you consider the funding structure before approaching lenders.
Refinancing commercial property
Your existing commercial property finance may no longer be the right fit for your circumstances. You may be approaching the end of your current term, looking to release equity, restructure borrowing or secure more appropriate longer-term finance.
Could your borrowing now qualify for a different type of lender?
The lender that was right for you when you originally borrowed may not necessarily be the right lender today.
For example, you may have originally used a specialist or Tier 2 lender because your circumstances did not meet the lending criteria of a Tier 1 bank at the time.
If you have maintained your repayments, your business has strengthened and your circumstances have changed, it may be worth reviewing your options when the facility comes up for refinancing.
A stronger trading history, improved financial performance, increased property value or a reduction in the overall level of borrowing could potentially open up access to a wider range of lenders.
This may provide an opportunity to review the cost and structure of your borrowing, although there is no guarantee that a different lender will offer a lower rate.
Why BAT Financial Solutions?
Our approach is simple:
Understand the property → Understand the transaction →
Structure the finance → Identify suitable lenders
With over 35 years of banking and lending experience, we understand how lenders assess commercial borrowing and the importance of presenting the transaction clearly.