By Gareth Lewis, Deputy CEO at MT Finance
As the commercial property landscape continues to evolve, successful commercial mortgage deals require more than just competitive rates, it demands a lender who can provide the flexibility required to tap into opportunities as they arise.
At MT Finance, we believe access to specialist finance should be responsive and tailored to real-world needs. We understand that not all borrower situations fit a single mold, which is why our commercial proposition is designed with both brokers and borrowers in mind. For cases with complex scenarios, we bring a tailored approach that covers a wide range of sectors, from standard retail and office spaces to more niche specialist sectors. We offer loans from £100,000 to £2,500,000 with loan term from 5 to 30 years.
Our ICR stress testing from 125% for both company and individual borrowers ensures robust lending decisions with accessibility for new entrants as first-time buyers/landlords are considered, with considerations for expats residing in EEA or FATF member countries. Whether you’re looking to finance an acquisition, refinance existing debt, or unlock capital from commercial property, our commercial mortgages is designed to meet diverse financing needs.
Standard Commercial Mortgage
• LTV: Up to 75% maximum LTV
• Rates: Fixed rates from 7.99% for 2 and 5-year terms
• Standard sectors include offices, retail, industrial, healthcare
Specialist Commercial Mortgage
- LTV: Up to 70% maximum LTV
- Rates: Fixed rates from 8.29% for 2 and 5-year terms
- Specialist sectors include leisure, education, energy
Do you need expert Commercial Mortgage support? Contact MT Finance at commercial@mt-finance.com directly.