Commercial Mortgages and Remortgages.
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Our Lender Partners Helped over 10,000 UK Business Owners in 2022
Save Money
By understanding our clients and their commercial property aspirations, we’re able to ensure that the funding line is appropriate, in line with your needs.
Raise Additional Cash
Raise additional cash by releasing money from your business premises though a commercial remortgage.
Secure a Better Deal
The commercial property market changes on a regular basis, the good news is that we have access to funders who support property owners.
About Dynamic Commercial Finance
Dynamic Commercial Finance is an independent whole of market brokerage, providing a bespoke service, introducing you to a wide range of lenders including specialist and alternative finance providers.
With over 20 years of experience working with businesses to support their ambitions through the finance market, we bring a friendly and specialist knowledge of the market.
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3 Reasons We Can Give You The Best Result
We Could Save You Money
We add value to our customers by understanding them & finding funding solutions that aren’t available to most brokers. We can arrange the best rates & the lowest overall costs.
We Save You Time
We have access to the whole funding market and are constantly speaking and completing deals with funders, keeping us to date with lenders products and their application requirements.
We minimise the time between application and funding, giving you the headspace to manage your business.
Work with Experts
Our expert team specialise in supporting commercial mortgage applications. We have access to alternative funding resources unavailable to the majority of brokers. We are good at what we do.
Satisfied Customers Are Our Best Ads
Frequently Asked Questions
A commercial mortgage is the finance you will need if you’re aiming to buy or refinance a property that is used for business purposes.
There is a marked difference between commercial mortgages offered by high street banks and the specialist commercial mortgage lenders in terms of their interest rate pricing, the term and their lending criteria. Ideate Finance can help you shop around to compare not just the rate but the whole deal. Other factors such as speed and likelihood of acceptance can be important for some businesses, working with an expert can help save you time and money.
You may find yourself needing a commercial mortgage if you are a business owner that wants to own and occupy your office or business premises. Commercial mortgages are also used by property investors that purchase and let out commercial property.
The main benefit of being an owner-occupier of a commercial space rather than a tenant is owning an asset that aims to appreciate over time rather than paying similar monthly rent payments that contribute nothing to your net worth. It leaves you in control of your space, taking away the worry of eviction, unwanted changes or rent hikes.
Property investors will purchase commercial property with the intention of leasing it to business owners whilst hopefully sitting on an appreciating asset.
Rather than buy a commercial property using cash, an investor is likely to apply for a commercial mortgage to fund the purchase or to refinance a premises they already own.
The investor may find ways to increase the rental yield as well as the value of the site by changing the use to better reflect the demand in the area. For example, a high street building used solely for retail may be adapted and converted to allow for residential dwellings that can be sold or rented out.
A commercial mortgage can be used to finance any premises that generates an income for a business or investor. Most commonly we see applications for office buildings, shops, pubs, care homes, industrial units and restaurants.
Typically the mortgage term for a commercial property is shorter than a residential mortgage.
When applying for a commercial mortgage you can expect to provide trading business accounts, up to date bank statements to demonstrate the current trading position of your business. You may be asked to provide a personal guarantee for some or all of the debt.
This will vary from lender to lender based on their criteria. The amount you can borrow will be decided following an assessment of you and your business’ financial circumstances. Lenders need to know that the business is profitable enough to be able to service mortgage and interest payments over a period of many years.
Lenders will look at varying elements of your situation to calculate commercial mortgages rates. The lower the LTV (Loan-to-Value) you require, the lower the rate will usually be.
Yes, most of the time. Commercial mortgages require you to provide a higher deposit than with a residential mortgage, typically between 25% and 40%
If you’re looking to purchase or refinance a mixed-use property, you’ll need a semi-commercial mortgage. By mixed-use, we mean a property that is made up of a combination of commercial and residential. For example, a retail shop with a flat above, or a Bed and Breakfast.
A mortgage secured against the premises you run your business from. Some lenders will only want to lend a commercial mortgage to owner occupiers. So, if you own the commercial premises but let it to another business we can help you negotiate for the best commercial mortgage from the lenders that are happy to work with commercial investment mortgages.
Living in the UK? Let's Get You Started!
Our mortgage brokers have access to a panel of lenders to find a deal that suits you. By understanding your remortgage options first, they can shop around for the best rate and potentially save you thousands of ££’s per year on your mortgage payments.
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