Assistance with commercial mortgages

Commercial Mortgages in Birmingham & West Midlands

Hassle-free commercial mortgages delivered by experts that suit your needs, whether you are a solo entrepreneur, a limited company or a business owner.

 

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Commercial mortgages for your business

Planning to refurbish or expand your existing commercial property? Or maybe you are looking at opening brand new business premises? Whatever your commercial property ambitions are,  a commercial mortgage could ensure that you achieve your goal in a cost-effective and easy-to-manage way. 

As businesses vary greatly, their finance needs do as well. This means that there are no one-fits-all solutions when it comes to commercial property mortgages. With years of industry experience under their belt, our business finance specialists, here at Apt Pay will take into account your circumstances and needs to ensure you get the best deal on your commercial mortgage.

We have helped businesses across Birmingham and the rest of the West Midlands with their commercial mortgages needs. Our expert team can arrange a meeting with you to further discuss all the details you need to know.

What is a commercial property?

A commercial property is any property that is used for business purposes. This could be an office, and an office block, an apartment complex or large home that you intend to rent out, a shopping centre or an industrial warehouse. Commercial properties can bring significant revenue to a huge number of businesses. From start-ups looking to secure their own office space as an asset, rather than renting out workspace owned by another business, to landlords and property developers looking to build the most profitable portfolios, to successful industrial or retail businesses who are looking to expand and service an even greater number of customers.

Why arrange a commercial mortgage?

In the same way as you would take out a residential mortgage to purchase your home, a commercial mortgage provides you with a loan that will help you to secure the perfect property for your business. Better still, these mortgages are designed to help your business to grow and therefore have very low rates.

Finding the right commercial mortgage for you

Having worked with commercial property mortgage providers not only in Birmingham and the West Midlands but across the UK for years, we have built excellent relationships with some of the best-regarded lenders in the industry. These relationships allow us to secure some of the most favourable business mortgage rates on the market for our clients.

Every business is different, so every commercial mortgage needs to be different too. We understand this, as does every firm that we partner with. Whatever your business needs, we can find a repayment plan that fits your turnover, to give you total peace of mind whenever you take out a commercial mortgage with us.

Our commercial mortgage services at a glance

  • Mortgages tailored to your needs
  • Securing the best rates 
  • Working with trusted lenders
  • Flexible repayment options
  • Fast money transfer after approval
  • Personal consultation & expert advice

business-consultation

Why choose AptPay?

Our friendly, experienced staff will listen to your commercial property goals and then map out a way forward so that you achieve these goals and many more. If a commercial mortgage is right for your business,  we’ll pay the cash into your account as quickly as possible on approval, because we know that your business doesn’t have time to wait. 

If you’re fed up with phoning a big bank and pressing 2 to discuss a complex financial matter with a robot and would like to have this discussion in person with a kind and knowledgeable human, then we would love to meet you.

Where Do We Secure Commercial Mortgages?

We’ve secured commercial mortgages for properties across the Greater Midlands. If you have offices outside of Birmingham City Centre and need to expand into this commercial hub, we can help to facilitate this expansion. Likewise, if you’re currently based in the heart of Birmingham’s business community and are looking to expand into lucrative regional hubs such as Solihull, we can find you the perfect mortgage to secure the perfect commercial property in this wonderful town.

What about elsewhere?

We also find properties for growing businesses, established SMEs and innovative start-ups across the Black Country. Whichever part of the Midlands you’re choosing to build your business empire in, will make sure that you have the finance you need to secure an HQ that will set you apart from your competitors.

Equally, the scale of properties and lenders to which we have access also makes us an excellent choice for property investors, who are looking to create or develop diverse and lucrative portfolios.

Am I eligible?

We’ll need to see your business’s accounts and know about any profits or losses that you’ve experienced. 

Even if a commercial mortgage might not be the best way forward for your business right now, have a chat with us because we may be able to find another financial solution to help you to grow your business. 

If you are a business in Birmingham and the rest of the West Midlands, don’t hesitate to get in touch with us. One of our team members will be happy to advise you on the best commercial mortgages options available for you.  

What is a commercial property?

What is a commercial mortgage?

A commercial mortgage supports the purchase or remortgage of commercial properties. You can also refurbish or develop a property that is being used solely for business intents. Most of the time, the institutions or people who can provide commercial mortgages include brokers, high street lenders and banks.

What types of commercial mortgages are there?

There are two types of business mortgages: owner-occupier commercial mortgages and commercial investment mortgages.

Who are commercial mortgages for?

Business owners are usually using owner-occupier commercial mortgages for purchasing or remortgaging commercial premises occupied by owners. This includes office spaces.

Commercial property investors are usually the ones that use commercial investment mortgages. Some of these investments will be invested in multiple occupations (HMO).

Do you offer commercial mortgages services to businesses of all sizes?

Yes, we offer commercial property mortgages for all businesses across the UK.

How does a commercial mortgage work?

A commercial property mortgage is often used to secure the funds necessary to buy new business premises or when a major commercial property development is on the way. Long-term repayment plans can be arranged (up to 25 years). As the majority of commercial property mortgages offer up to 70% of the total value of the property, you will need to demonstrate that your business has the means to cover the remaining amount.

What is the term for a commercial mortgage?

Terms for commercial mortgages vary on a case-to-case basis (generally, between 5-20 years) and in many cases the loan term is much shorter than the amortization period.

How do I apply for a commercial property mortgage?

If you wish to arrange a commercial property mortgage, please get in touch with one of our team members on 020 3103 0022 or at info@aptpayment.co.uk and we will be able to schedule a meeting with you.
Location

 

AptPay     

13 Hanover Square, Mayfair,
London,
W1S 1HN

© 2023. AptPay is a trading name of APT BUSINESS CONSULTANTS LTD, registration number: 12781495 acting as an intermediary of the card payment provider and financial company. AptPay is not liable for any email correspondence, and email correspondence will not be binding legally, please seek independent advice. The registered address is 13 Hanover Square, Mayfair, London, W1S 1HN

Important Notice: We exclusively provide unregulated finance solutions to limited companies incorporated in the UK. We do not offer regulated financing. For more information, please contact our customer support team.