Commercial mortgages are for business owners who are looking to buy a property or land for business use. If you’re planning to move, expand or improve your company premises, a commercial mortgage is the best option for you. Commercial mortgages interest rates are priced individually to meet the strength of the proposal. The rate you are likely to receive is dependent on many variables such as management experience, industry you operate in, business financials, the property itself and security available. Some lenders will also consider long lease as viable security option.
Apply for a minimum of £25,001 and choose a loan term from 3 to 25 years
At Alpha Capital, we understand that acquiring or expanding your business premises is a significant decision. That’s why we offer commercial mortgage solutions tailored to meet your specific needs. Whether you’re planning to purchase a new property or invest in land for business use, our experienced team of commercial mortgage brokers is here to guide you through the process.
When you choose Alpha Capital as your commercial mortgage broker, you have the flexibility to apply for a minimum loan amount of £25,001. We understand that each business has unique requirements, and we ensure that our loan terms are customizable to fit your specific circumstances. With loan terms ranging from 3 to 25 years, you can choose the duration that aligns with your long-term business goals.
Borrow up to 80% of the property value. In some circumstances, we may be able to secure more funding
We recognize that securing adequate funding is crucial when it comes to commercial property investments. With Alpha Capital, you can borrow up to 80% of the property value, providing you with substantial financial support. In certain circumstances, we may even be able to secure additional funding beyond the 80% threshold. Our dedicated team will assess your business’s financials, the property’s potential, and other relevant factors to negotiate the best funding package on your behalf.
Choose between fixed or variable rates
When it comes to commercial mortgages, having the flexibility to choose the right interest rate structure is essential. At Alpha Capital, we offer you the option to select between fixed or variable rates. Fixed rates provide stability and predictability, ensuring that your monthly payments remain consistent over the agreed-upon term. On the other hand, variable rates offer the potential for savings if interest rates decrease. Our team will provide you with comprehensive information and advice to help you make an informed decision based on your business’s financial strategy and market conditions.
Capital repayment holidays may be available
We understand that businesses may encounter fluctuations in cash flow or require additional resources for other strategic initiatives. That’s why we offer the possibility of capital repayment holidays. This feature allows you to defer making principal repayments for a specified period, giving you the flexibility and breathing space you need to manage your finances effectively. Our team will work with you to explore this option and determine if it aligns with your business’s cash flow requirements.
We may be able to help with bespoke terms to suit your requirements
Every business is unique, and we recognize that your commercial mortgage needs may vary. At Alpha Capital, we pride ourselves on offering personalized and bespoke solutions to meet your specific requirements. Our experienced team will work closely with you, taking the time to understand your business objectives and tailor the mortgage terms accordingly. Whether you need flexible repayment options, preferential interest rates, or customized features, we will strive to structure a commercial mortgage that suits your individual needs.
The property may include an aspect of rental area to a third party
In some cases, commercial properties may have additional rental areas that can generate additional income. If the property you are considering includes rental space that can be leased out to a third party, it can provide an opportunity to maximize your investment. Our team will assess the viability and potential rental income of such areas to ensure that your commercial mortgage is structured to optimize your returns.
Commercial investment mortgages are available to individuals and companies looking to purchase or refinance existing commercial property exclusively for renting. Investment mortgages are also available on mixed use or semi-commercial properties. Commercial investment mortgage rates are individually priced to match the strength of the proposal. The deposit requirement and headline mortgage rate will depend on the property, the quality of tenant, the length of the lease and the borrower’s investment experience. We have access to exclusive deals only available from selective lenders. All application decisions are subject to credit assessment and passing lenders affordability test.
Apply for a minimum of £100,000
At Alpha Capital, we understand the importance of flexibility when it comes to commercial investment mortgages. Whether you’re an individual or a company, our mortgage solutions are designed to cater to your investment needs. You have the option to apply for a minimum mortgage amount of £100,000, allowing you to pursue a range of investment opportunities in the commercial property market.
Spread the cost over 5 to 25 years
We believe in providing our clients with a mortgage term that suits their investment strategy and financial goals. With Alpha Capital, you can spread the cost of your commercial investment mortgage over a period of 5 to 25 years. This gives you the freedom to align your repayment schedule with your investment returns and maximize the potential of your property portfolio.
Borrow up to 80% of the property value. In some circumstances, we may be able to secure more funding (subject to additional security)
Securing adequate funding is essential when it comes to commercial property investment. With Alpha Capital, you can borrow up to 80% of the property value, giving you substantial financial support to acquire or refinance commercial properties. In certain circumstances, we may even be able to secure additional funding beyond the 80% threshold, subject to additional security. Our dedicated team will assess your investment proposal and work closely with our network of lenders to negotiate the best funding package on your behalf.
Choose between fixed or variable rates
Having the flexibility to choose between fixed or variable rates is crucial for commercial property investors. At Alpha Capital, we offer you the option to select the interest rate structure that best suits your investment strategy. Fixed rates provide stability and predictability, ensuring that your monthly mortgage payments remain consistent over the agreed term. Variable rates, on the other hand, offer the potential for savings if interest rates decrease. Our team will provide you with comprehensive advice to help you make an informed decision based on market conditions and your investment objectives.
Suitable for experienced operators with a robust track record
Commercial investment mortgages are specifically designed for experienced operators in the property investment market. At Alpha Capital, we understand the importance of a robust track record when it comes to securing financing for commercial properties. Our mortgage solutions are tailored to meet the needs of seasoned investors who have a proven track record of successful property investments. We will work closely with you to understand your investment history and structure a mortgage that reflects your experience and potential.
VAT loans available for qualifying commercial properties
For qualifying commercial properties, we offer VAT loans as part of our commercial investment mortgage solutions. VAT loans provide you with the necessary funds to cover the value-added tax (VAT) associated with the purchase of commercial properties. This ensures that you have the liquidity to complete your property transactions seamlessly. Our team will guide you through the VAT loan process and help you determine if your commercial property qualifies for this financing option.
Alpha Capital is your trusted partner when it comes to securing commercial investment mortgages. With our expertise, commitment to personalized service, and access to a wide network of lenders, we are well-equipped to guide you through the process. Our goal is to help you unlock the full potential of your commercial property investments and support your long-term success.
Contact us today to discuss your commercial investment mortgage requirements and experience the Alpha Capital difference. Together, we can navigate the complexities of commercial property financing and find the best mortgage solution that aligns with your investment goals.
Alpha Capital is trading style of Alpha Capital & Debt Advisory Services Ltd, Company Number: 12557280.
Alpha Capital and Debt Advisory Services Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA number is 988370 and this can be checked by visiting www.fca.org.uk/register. Our registered address is Unit 3, 1st Floor, 6-7 St. Mary At Hill, London, EC3R 8EE. Company number 12557280.
We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.