Common Commercial Mortgage questions.
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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.
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.
Can anyone obtain a Commercial Mortgage?
Commercial funding can be arranged for individuals, limited companies, partnerships, expats and experienced property investors.
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.
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.
The Commercial Mortgage Process
Working with HB Partners
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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.
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
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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.
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
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 =
If you would like us to refer you to our Commercial Mortgage partner, please call us on 01923 964160
Meet our Advisers
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.
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.
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.
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.
Frequently Asked Questions
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
Why use us?
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 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.
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.
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.
Mark Culham
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."
“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
