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A refreshing new approach to commercial mortgages

Welcome to Small Business Mortgages

Small Business Mortgages offers a refreshingly new approach to commercial mortgages with a UK network of commercial mortgage advisers.

Purchasing a business or commercial property is traditionally speaking, not so easy. Generally commercial lending can be a complicated, time consuming exercise. We make obtaining a business mortgage or commercial mortgage easy, trouble free and surprisingly fast.

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"Thank you for being the voice of reason in the whole complicated process, your help and support was invaluable." Client


Up to 75% LTV*
5-30 terms
Excellent rates

Buy to let

Fair rent coverage
70% LTV*
5 to 30 year mortgage term


Decision in days
rapid drawdown
£30,000 - £5 million

* LTV - Loan To Value

Commercial Mortgages

  • Loans from £80,000 to £10 million
  • Loan to value up to 85% even on self-certification
  • Higher loan to values with additional security or for sitting tenants
  • Interest Only option
  • Goodwill considered in Valuation
  • No proof of income required
  • Development Finance Available
  • Arrears and CCJ's considered
  • Rates from 0.5% above Bank Of England Base Rate

selection of what we can lend on;

  • Nursing and Care Homes
  • Commercial Investment Property – Offices (Industrial)
  • Equestrian Centres
  • Working Farms
  • Fast Food Outlets
  • Hotels, B & B’s and Guest Houses
  • Land with and without planning permission
  • Leisure Centres and Clubs
  • Licensed Premises with Accommodation or without
  • Lock Up Garages
  • Night Clubs/Social Clubs
  • Petrol Stations
  • Day Nurseries
  • Restaurants (non licensed)
  • Retail Units
  • Warehousing
Make an enquiry

Buy to Let

In a time of under performing pensions, endowments failing to meet their promises and falling stock market prices, buy to let has been one of the few investments to succeed. Rising house prices have helped many property owners make significant 'profits' on their investment. The booming property market has been encouraged by a growing number of lenders offering specially tailored and ever more competitive buy to let mortgages

Whether you are buying your first buy-to-let property or you are a portfolio investor Small Business Mortgages can help. We will advise you what rates and products are available, what the maximum loan available to you is and an illustration of costs and monthly payments.

What Small Business Mortgages can offer;

  • Up to 90% LTV
  • 100% rental coverage 
  • Flexible features – overpayments, underpayments and payment holidays 
  • 5 to 30 year mortgage term 
  • Interest Only option to maximise profit 
  • Single / Portfolio Buy to Let 
  • Daily Interest Mortgages 
  • Cash back available 
  • Products with no Early Repayment Charges 
  • No Compulsory Insurance 
  • £30,000 to £5 million available 
  • CCJs, defaults and arrears considered
Make an enquiry

Bridging Finance

There are several situations where bridging finance can help;

  • Quick cash if you are waiting to complete on the sale of a property
  • Buying a property at auction with 14 days to complete
  • Property refurbishment, buying a property adding value and selling
  • Land Acquisition while obtaining planning permission
  • Short term capital raising, raise funds against property on a 1st or 2ndcharge basis for any legal purpose
  • Purchase new machinery or equipment

What Small Business Mortgages can offer;

  • Self-declaring income
  • No Early Repayment Charges
  • £30,000 to £5 million
  • 100% of purchase price if additional security available
  • CCJs and arrears considered on a case-by-case basis 
    Will lend even if no planning permission
  • Offer Roll up and retained payments allowable
  • Lend in England, Wales, Scotland and Northern Ireland
Make an enquiry

Success Stories

“We were very impressed with the simple approach and clear instructions received”.

Typical Small Business Mortgages transactions:

Clients were proceeding with another broker who were unable to assist. Self-certification.
Sale of residential home to fund, 80% loan to value.
Client refused by banks due to age and poor credit history. Application to completion in 4 weeks.
True self-certification, application to completion in 32 days
Purchase using residential property as additional security.
New venture, self-certification.
Purchase of lake with camping facilities, using another property as additional security.
Refinance from High Street Bank for completion of shopping complex with residential accommodation.
Purchase of residential lettings and Management Company – full accounts available.
Make an enquiry

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