FOCUS has been our corporate insurance advisers since the formation of the company. They understand our specialist needs and continue to provide us with ongoing expert advice and technical guidance on all aspects of this vital business requirement.
They have also provided the company with our Employee Benefits scheme which has been arranged, organised and administered in an exemplary manner. They have adopted a highly professional "partnership" approach which we have found invaluable as our needs have changed.
We have no hesitation in recommending FOCUS to other companies and businesses who may be seeking expertise in these important areas.
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Commercial (Business) Mortgages
Business mortgages (also known as commercial mortgages for owner-occupiers) are designed for individuals and companies purchasing or remortgaging a property to be used as a business premises.
We negotiate business mortgages with a huge range of lenders including major banks, commercial building societies, regional and local building societies and specialist commercial asset lenders. The appropriate commercial lender is purposefully selected to meet your needs.
Rates for business mortgages are dependent on your industry sector and by your business' performance and your own individual track record.
The value of a broker within this field cannot be overstated, due to the bespoke nature of every single business mortgage transaction. Terms for business mortgages are not set in stone and our role in the transaction is to negotiate the best mortgage rate and terms. Our wealth of experience and market knowledge means we understand what is likely to be achieved given a specific set of circumstances.
There is no requirement to switch day-to-day banking, and in some cases we‘re acutely aware it is beneficial to keep these financing elements separate.
All finance for business mortgages is tailored to meet the borrower's needs. Where suitable, elements of the commercial loan structures available to clients can include:
• Interest-only mortgage periods
• Long-term repayment mortgages with terms up to 25 years
• Fixed, variable and hedged mortgage rates
Our solutions for business mortgages cover all types of commercial premises and we understand the individual financing dynamics of the industry in which a business is involved. As a yardstick we can arrange business funding up to 80% loan to property value depending on trading performance and industry sector. However, in the current economic climate 65% LTV is a more realistic figure.