Commercial Mortgages

Whether you’re looking to purchase a property or business, or need to re-mortgage to raise capital, Landbridge Finance has a product for you, we’ve researched the market so you don’t have to. We have some of the most innovative and flexible commercial mortgage products on the market today. We don’t work to a rigid criteria, every proposal is individually assessed, and all types of businesses and buildings are considered, including adverse credit, non-conforming buildings, investment properties, buy to let, agricultural, public houses, etc, etc. Thanks to our depth of experience we can find solutions to all of your commercial mortgage needs quickly and efficiently, and we are often able to negotiate exclusive products for our customers.

The majority of the Commercial Mortgage deals we offer are only available through approved brokers. This allows the lender(s) to pass on substantial savings in terms of marketing & administration costs and repeat business discounts, to our clients.

Self Certification & Non Conforming Commercial Mortgage Products

Our extensive knowledge of non-conforming commercial mortgage products means we can secure the best deal for you regardless of previous problems etc.

Key features include:

• 85% loan to value against Open Market Value (100% funding is available with extra security).
• 40 year term available (30 years being the industry standard).
• Interest only period.
• Option to fix interest rate for 3 years.
• 3 Year, 5 Year and life time interest only options available on investment products.
• Self certification option available, meaning client does not have to provide accounts.
• Completion possible in days if certain requirements are met.
• No business plan required.
• Previous credit problems or mortgage arrears can be accommodated.
• Streamlined, hassle free process.
• No meetings with bank managers etc required.

Prime commercial mortgage products

Prime clients can expect the best rates, highest loan to values and most flexible terms in the commercial marketplace. In order to provide this, lenders will require more detailed information to allow them to approve and underwrite the deal. The majority of Prime/High Street Lenders will lend up to 75% on most types of security (100% funding is available with extra security), however in some cases we can arrange up to 90% loan to value (LTV) subject to approval.

What information will be required for prime clients?

The information required will vary from one case to another, largely depending upon sector. Generally speaking, the more information you can provide, the lower the rate you are likely to receive. Lenders will generally require a combination of the following:

• Evidence of ability to meet mortgage repayments via any of the following -
  
  - Profit & Loss Accounts covering last 3 years, with supporting Balance Sheets.
  
  - Profit Projections.
  
  - Cash flow Forecasts.
  
  - Tenancy Agreements.
  
  - Payslips.
  
  - VAT Returns.
• Up to 6 months personal and/or business bank statements.
• Sale Particulars
• Trust Deed & Rules (if applicable)
• Schedule of any other investment properties, including open market value's (OMV), mortgage liabilities, rental income, etc.

Speak to the experts, or request a detailed quotation and decision in principle today.
Our direct access to the decision makers allows our applications to be fast-tracked, ensuring a streamlined application process, immediate decisions, and the possibility of funds within days. Our dedicated team are committed to providing Decisions in Principle as quickly as possible, and ensuring our clients receive an offer promptly.

We will manage the whole process for you, leaving you free to do what you do best.

What are the advantages of using a Finance Broker?

We have access to a comprehensive panel of lenders, this ranges from the high street banks right through to specialist lenders such as merchant banks, building societies, sub-prime lenders, and private consortiums.

Brokers are often able to negotiate preferential rates for clients.

Lenders tend to respond much quicker to a broker application as they know that the information they receive from a broker will be complete, which allows them to get on with issuing the offer and completing the deal as quickly as possible.

Speak to us 8am-8pm

• 0845 680 1249
• or request a
• call back
• Decision in 1 hour!

Are you feeling the effects of the credit squeeze?

A number of our primary lenders have allocated additional capital to ensure that we can Continue to secure stress free funding For our clients, in spite of the wider credit shortage Currently affecting many companies.