Commercial Mortgages

If you are looking for commercial mortgages or if you’re a commercial property investor looking to finance either a purchase or re-mortgage then NGI Finance can help you.

We aim to provide the best service possible every time, so no matter how large or small, or how long you have been trading, no matter what type of business you are in our objective is to help you get the best result. We are a small but highly experienced financial consultancy based in Oxfordshire, and we can make a difference for you or your business.

What are they?

Business and commercial mortgages are loans that are secured on property such as shops, business premises, warehouses, factories, workshops, garages, hospitals and schools etc.

What are the rates?

Business and commercial mortgage rates are rarely standardised in the same way as your home mortgage, instead each mortgage is individually priced to match the strength of the proposal.

Who are they for?

Commercial mortgages are designed for individuals, pension funds and companies purchasing a commercial property for their business.

NGI Finance has over 45 years experience in the Finance Industry, the owners having previously been employed by major high street lenders, but became frustrated at the inflexibility of some lenders in the way they approach Business Loans and finance and decided to form their own consultancy.

To assess the rate you’re likely to pay on your commercial mortgage, please contact us and we’ll chat through your proposition to target the right choice of commercial investment mortgages for you.

Typically, we can arrange commercial funding up to 80% loan to property value dependent on the quality of the asset and the tenant. Commercial finance opportunities are not limited by borrower circumstances and we can accommodate a variety of commercial lease terms and tenant qualities.

Our business has been built on our reputation. We are fully aware that should you not be satisfied by the service we offer, you will tell others and that is why from the initial contact you make with us we will support you through every stage of the process, and make every effort to deliver you a successful outcome.

Commercial mortgages & re-mortgages

Buying your business premises rather than renting is a long term investment that usually requires a Commercial Mortgage. A Commercial Mortgage is a loan, secured on property, which is used to buy business premises, you can also re-mortgage a property to fund the development or extension of business premises.

Common reasons for requiring a commercial mortgage

An established business that wants to purchase its own premises such as an office building or an industrial/warehouse unit they are currently renting. Businesses could be surprised to find that monthly repayments may not differ greatly from their current monthly rental payments, plus the company could benefit from owning a key asset • A new start-up or someone buying an existing business where the property is an inherent part of the business such as a pub, shop, hotel or dentists surgery. • Wanting to buy a commercial property as an investment, to let the property with a view to making an income.

Commercial mortgages are available on a range of properties

  • Offices
  • Factories and warehouse units
  • Land
  • Retail units
  • Nursing and care homes
  • HMO (Houses in multiple occupancy)
  • Hotels, pubs and restaurants
  • Farms
  • Dentist and doctors surgeries
  • Garages and workshops
  • Nurseries and schools

If you already own a commercial property, then a commercial re-mortgage enables you to release equity from your property for any business purpose or to benefit from more favourable mortgage interest rates and so reduce your monthly repayments. Switching lenders to get a better deal is common, especially if your credit rating has improved since you took out the initial mortgage.

NGI Finance has experience across a wide range of industries in matching the right mortgage deal for our clients, whatever their size or their financial circumstances.

With access to an extensive range of lenders who provide commercial mortgages including traditional high street banks and specialist lenders, we can help take the stress out of finding a mortgage by providing you with a friendly, efficient service and the best deal.

Are you looking for some help?

We would be delighted to explore how we can offer you some support. Simply request a call back by sending us your contact details via this form and we will be in contact by return.

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