Commercial Mortgages

Independent Commercial Finance Brokers

Ready to help if you are looking for commercial finance or a commercial mortgage to:

	Raise funds to invest in a new business or to expand, modernise or provide other investment for an existing business
	Replace existing finance facilities with lower cost alternatives in order to reduce your finance costs

We are independent commercial finance brokers who provide an extensive range of finance options throughout the UK.

Considerable choice of lenders for extensive mortgage options

What we do at KIS Commercial Finance

We find the finance that your business is looking for – We search all lenders to find the finance that you require, including looking at all the different types of finance options that are available.

Compare the finance deals available – Having determined the best finance option we compare lenders to ensure that you receive a great deal on your commercial finance facility.

Keep it simple – Keeping the whole process of obtaining commercial finance as simple as possible for you means that you are not distracted from running your business.

Commercial mortgages – kept simple

As independent commercial brokers we search and compare both UK and foreign lenders to find the best commercial mortgage deals for the finance that you are looking for.

Once we have approval for the commercial mortgage that you require, we will ensure that the mortgage facility is quickly in place and ready for when you need it.

It is very important to us that your business is successful and grows. We realise that finding the best deals for commercial mortgages that provide the finance a business requires, is crucial to helping a business develop and flourish.

Commercial remortgages

We can arrange commercial remortgages for

	capital raising
	finding a better mortgage deal

A commercial remortgage can be used to replace your existing commercial mortgage with an alternative mortgage that offers a cheaper interest rate, with the aim of reducing your monthly costs.

We also arrange commercial remortgages for capital raising, by making use of unused equity in a commercial property to provide additional capital for a business. The additional capital raised by a commercial remortgage is commonly used for funding business expansion, consolidation expensive finance facilities, paying bills and other debts and to improve cash flow.

Commercial mortgage calculator

The commercial mortgage calculator found on this page can be used to give you an idea about what the monthly payments (for both repayment and interest only options), will be on a commercial mortgage.

To use the calculator simply enter the amount you would like to borrow, the annual interest rate and the term that you would like the commercial mortgage over. The monthly repayment and interest only amounts will then be calculated and displayed.

It is a good idea to look at different options, for example change the term to what difference a slightly shorter or longer term makes to the monthly repayment figures. Also see the difference in repayment figures for your commercial mortgage if you borrow a little more or a little less.

Most importantly however, please use our commercial mortgage calculator to see how changes in the annual rate of interest effect your monthly repayments, and if rates increase considerably will you still be able to afford the monthly repayments?

Semi-commercial mortgages a speciality

When raising finance secured against a business premises we can use a commercial mortgage and when raising money secured against our home we can use a residential mortgage. A semi-commercial mortgage is used to raise money secured against property that is used as both our home and a business. A common example of this would be a retail shop with living accommodation above. Most residential mortgage providers are unable to provide mortgages on residential property that has a business attached to it, meaning a semi-commercial or full commercial mortgage maybe required.

Commercial mortgages explained

Commercial mortgages are loans facilities that are secured on commercial or business premises. They are usually used to purchase commercial property such as shops, offices, industrial units, investment property, hotels, factories and farms.

Our expert team use a huge panel of UK and foreign lenders to find our clients the best possible deal for the commercial mortgage that they require.

We arrange commercial mortgages for amounts as low as £75,000 (typically used for financing retail shops, investment property and small pubs) up to amounts in excess of £100 million (typically used for financing large hotels, industrial developments and city office complexes), for periods of between 1 to 30 years.

Please call us to find the commercial mortgage that you are looking for.

KIS Bridging Loans

To find the best deals for bridging finance visit our specialist bridging loan website. We search and compare over 130 UK bridging finance providers to find you the bridging facility that you are looking for. For raising short term finance secured on business premises then commercial bridging finance is often an option worth considering.

We can also help with finding funding for building projects because we are specialist providers of development finance, which is often a preferable alternative to a bridging loan for property development.

Also provided on our bridging finance website is an easy to use bridging finance calculator which can be helpful in working out monthly interest costs and fees.