As the commercial real estate landscape continues to evolve, many property investors are leaning into the significant opportunities commercial mortgages provide. At MT Finance, we pride ourselves on our ability to navigate the complexities of commercial property finance, providing tailored solutions that empower investors to achieve their goals. Our first commercial case demonstrates this.
The case:
An experienced property investor, with a diverse property investment, identified a strategic opportunity to expand their portfolio. To facilitate this expansion, they needed to raise significant capital, to repay an existing business loan and fund the acquisition of a new investment property. The challenge lay in securing a commercial remortgage against a unique security – three distinct commercial units comprising a cafe, a shop, and a car wash. The client required a solution that was not only substantial but also flexible enough to align with their long-term investment strategy.
How we helped:
Our commercial mortgage team at MT Finance stepped in with a tailored commercial remortgage facility. Understanding the client’s need for strategic financial management, we arranged the loan on an interest-only basis over a 10-year term, with the clear exit strategy being the sale of the security property.
This case exemplifies our commitment to delivering effortless results for clients seeking flexible and efficient funding. By taking a client-focused approach, we were able to provide:
- Tailored funding: We delivered a fit for purpose solution that matched the client’s capital-raising needs for both debt repayment and new acquisition
- Expert complexity navigation: Our ability to underwrite a remortgage on a multi-unit commercial property, addressing unique conditions and requirements, showcases our specialist knowledge in the commercial sector
- Repayment flexibility: The interest-only structure and clear exit strategy offered the client the flexibility required for their investment plans
- Effortless execution: Our streamlined process ensured the client could access the funds needed to act swiftly on their investment opportunity
Commercial Mortgages built around you:
At MT Finance, we consider individual and corporate borrowers, and we understand a one size fit all approach cannot meet everyone’s needs. Whether you’re looking to finance an acquisition, refinance existing debt, or unlock capital from commercial property, our commercial mortgages product range is designed to meet diverse financing needs. We offer:
Standard Commercial Mortgage
- Loan size: from £100,000 to £2,500,000
- Loan term: from 5 to 30 years
- ICR: 125% Interest Coverage Ratio requirement
- Available for individual and corporate borrowers
- Standard sectors include offices, retail, industrial, healthcare
Specialist Commercial Mortgage
- Loan size: from £100,000 to £2,500,000
- Loan term: from 5 to 30 years
- Enhanced underwriting for complex property types
- Car parks, sports venues, and utilities considered
- Specialist sectors include leisure, education, energy
Get in touch:
If you have a commercial case you would like to discuss directly with us, drop us a line, and we will be in touch with you.