A2B Finance Property Funding Options
Mortgages are used to purchase new property, or to refinance existing property finance. Other options include bridging finance, which provides access to short-term funds that can be used to purchase property, or mezzanine finance that combines both debt financing and equity investment. Specialist loans are also available.
Although the most commonly used form of property finance is that of a mortgage, many other options exist. Depending on your circumstances and requirements, it may be possible to arrange mezzanine or bridging loans, short-term or long-term mortgages, or secured loans. Call us today to speak to one of our expert team of commercial financing experts. They will determine your requirements, discuss your best funding options, and help to arrange the finance your business needs in order to grow.
With loans from £5,000 to £5m or more, A2B Finance can arrange commercial loans and property funding for your business. Use the loan to extend property, buy new property, or even for property renovations and improvements.
Mortgage lenders will usually lend up to a value of 75% of a commercial property, with terms of up to 30 years. Affordability checks are conducted, and are based on the financial performance and history of your business. Although it is possible, it will be more difficult to find a commercial mortgage if you have limited or no trading history. If you are unable to free up the money for a 25% deposit yourself, you could arrange a commercial loan.
At A2B Finance we can help arrange this type of funding. We will work with you, taking your commercial situation into account, and determine the best possible funding options.
Bridging loans are a short-term financing option. They can be used as a means of funding a purchase, if you will realise funds quickly from the sale of the property, but this is usually a more expensive alternative to a commercial mortgage.
A bridging loan can also be used to bridge the gap between purchasing a property and a mortgage becoming available. For example, if you need to complete structural work on a property before a mortgage company will lend to you, a bridging loan can be used to purchase the property, to pay for the work that’s required, and then you can get a commercial mortgage.
Mezzanine financing is a form of loan where, if the borrower defaults on payments or the loan is not repaid in full by the agreed date, then the lender will receive shares in the property or business. This is considered hybrid debt, because it combines commercial debt with equity to create a unique funding option.
Loans And Other Financing Options
At A2B Finance we can arrange commercial mortgages and loans, as well as other forms of commercial financing. We help ensure that you get the best product for your circumstances, and that you get favourable results on your loans. Contact us today and speak to a commercial finance specialist to start the process of buying your next property.