Common Commercial Mortgage questions.

Common Commercial Mortgage questions.

Please contact us with your Mortgage query

Please contact us with your Mortgage query

Simply enter your details below for us to help you.

By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your mortgage requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

Simply enter your details below for us to help you.

By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your mortgage requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

How do I get a £1+ million mortgage? 

How do I get a £1+ million mortgage? 

We have the expertise to arrange £1m+ mortgages which, by their nature, are complex and require specialist underwriting. 

We have the expertise to arrange £1m+ mortgages which, by their nature, are complex and require specialist underwriting. 

What are the criteria for a Limited Company Mortgage?

What are the criteria for a Limited Company Mortgage?

A lender would require information on the income of the company, rather than an individual, making the process a little more complicated.

A lender would require information on the income of the company, rather than an individual, making the process a little more complicated.

Can anyone obtain a Commercial Mortgage?

Can anyone obtain a Commercial Mortgage?

Commercial funding can be arranged for individuals, limited companies, partnerships, expats and experienced property investors.

Commercial funding can be arranged for individuals, limited companies, partnerships, expats and experienced property investors.

Is it possible to get a Self Employed Mortgage?

Is it possible to get a Self Employed Mortgage?

We appreciate that self-employed borrowers may experience difficulties when applying for a mortgage. At HB Partners we have many years’ experience securing loans for the self-employed. Please contact us with your query.

We appreciate that self-employed borrowers may experience difficulties when applying for a mortgage. At HB Partners we have many years’ experience securing loans for the self-employed. Please contact us with your query.

What type of Commercial Mortgages do you offer?

What type of Commercial Mortgages do you offer?

We can help you to secure funds for purchasing or remortgaging either a property or piece of land, designated to be a business premises. Alternatively, we can assist you with financing your properties for your Buy to Let portfolio. 

We can help you to secure funds for purchasing or remortgaging either a property or piece of land, designated to be a business premises. Alternatively, we can assist you with financing your properties for your Buy to Let portfolio. 

Farms

Farms

Land for Development

Land for Development

Pubs, Hotels and B&B's

Pubs, Hotels and B&B's

Restaurants

Restaurants

The Commercial Mortgage Process

The Commercial Mortgage Process

Working with HB Partners

Working with HB Partners

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An informal introductory conversation

An informal introductory conversation

Your Mortgage Adviser will work with you to gain an understanding of your situation. Following this you will be referred to our Commercial Mortgage partner who will show you an overview of the options available.

Your Mortgage Adviser will work with you to gain an understanding of your situation. Following this you will be referred to our Commercial Mortgage partner who will show you an overview of the options available.

Now that we know your circumstances, our Commercial Mortgage partner will look for the most appropriate mortgage product to meet your needs.

Now that we know your circumstances, our Commercial Mortgage partner will look for the most appropriate mortgage product to meet your needs.

Our Expert Recommendation

Our Expert Recommendation

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Discover the right Commercial Mortgage for you

Discover the right Commercial Mortgage for you

Our Commercial Mortgage partner will present the range of mortgage options available for your individual circumstances. When you are ready to proceed, they will apply for an agreement in principle from the selected lender.

Our Commercial Mortgage partner will present the range of mortgage options available for your individual circumstances. When you are ready to proceed, they will apply for an agreement in principle from the selected lender.

Once the agreement in principle has been received, our Commercial Mortgage partner will submit the full application on your behalf. We manage all stages of the process, and keep you updated, right up to the mortgage completion.

Once the agreement in principle has been received, our Commercial Mortgage partner will submit the full application on your behalf. We manage all stages of the process, and keep you updated, right up to the mortgage completion.

Full Application

Full Application

Commercial mortgages cover a broad spectrum of businesses and can be obtained to facilitate the purchase of a wide variety of business properties such as

Commercial mortgages cover a broad spectrum of businesses and can be obtained to facilitate the purchase of a wide variety of business properties such as

What is 3 + 5 =

What is 3 + 5 =

Meet our Advisers

Meet our Advisers

B2B COMMERCIAL MORTGAGES?

B2B COMMERCIAL MORTGAGES?

We can help you to secure funds to facilitate the purchase or remortgage of property or land, for a business to trade from or as part of a buy to let portfolio.

We can help you to secure funds to facilitate the purchase or remortgage of property or land, for a business to trade from or as part of a buy to let portfolio.

WHAT IS A SEMI-COMMERCIAL MORTGAGE?

WHAT IS A SEMI-COMMERCIAL MORTGAGE?

This is a loan secured on a semi-commercial property, i.e., one that has both a commercial and a residential element to it.

This is a loan secured on a semi-commercial property, i.e., one that has both a commercial and a residential element to it.

CAN I GET A 100% COMMERCIAL MORTGAGE?

CAN I GET A 100% COMMERCIAL MORTGAGE?

Most lenders require a deposit of 20-25%. However, in certain cases, we can help you to secure 100% of the commercial property value with additional security. Please contact us for more information.

Most lenders require a deposit of 20-25%. However, in certain cases, we can help you to secure 100% of the commercial property value with additional security. Please contact us for more information.

HOW CAN I FINANCE A COMMERCIAL PROPERTY WITH NO MONEY DOWN?

HOW CAN I FINANCE A COMMERCIAL PROPERTY WITH NO MONEY DOWN?

If you have additional security, we can help you to secure 100% of the commercial property value.

If you have additional security, we can help you to secure 100% of the commercial property value.

Frequently Asked Questions

Frequently Asked Questions

Our Commercial Mortgage partner is always ready to help.

Our Commercial Mortgage partner is always ready to help.

If you have a specific question, click the button below, and we will do our best to answer this for you.

If you have a specific question, click the button below, and we will do our best to answer this for you.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority

Most forms of Commercial Mortgages are not regulated by the Financial Conduct Authority

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority

Most forms of Commercial Mortgages are not regulated by the Financial Conduct Authority

Why use us?

Why use us?

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We are qualified to advise you on your equity release requirements.

We are qualified to advise you on your equity release requirements.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

Your home may be repossessed if you do not keep up repayments on your mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage

At HB Partners, we do not offer Commercial Mortgages. We have, however, partnered with a trusted whole of market Commercial Mortgage firm who specialises in this area. We have known this firm for many years.

At HB Partners, we do not offer Commercial Mortgages. We have, however, partnered with a trusted whole of market Commercial Mortgage firm who specialises in this area. We have known this firm for many years.

Home > Mortgage > Commercial Mortgages

Home > Mortgage > Commercial Mortgages

Mark Culham 

Adviser & Co-Founder

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

What our clients say

What our clients say

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