Modern commercial offices

Commercial Mortgages

With our extensive experience in raising investment property finance, we are able to offer clients exclusive products that are not available directly.  Our granular approach means we will secure you the keenest funding solution for your circumstances

Commercial Mortgage Funding Solutions

HMO mortgages (both small (<6 people) & large with no maximum)

Multi Unit Block mortgages

Buy To Let mortgages

 

Residential Investment mortgages (high value low yielding prime assets)

Semi Commercial & Commercial mortgages

Commercial Owner Occupied mortgages

Portfolio mortgages

Interest only available up to 85% LTV for Residential Investment assets

Interest only available up to 75% LTV for Semi Commercial & Commercial assets

100% LTV available with additional security

No maximum loan

Personal, Company, Trust, Off Shore, Domicile and Non Domicile options available

The Complex Made Simple

With so many options on the market securing commercial property finance can be confusing and complicated.  Our job is to make the complex simple for you.  By fully understanding your specific needs we will be able to quickly identify the best package for you.    

Bespoke Solutions

Whether you are looking to purchase an industrial unit for your own business or looking to invest in an HMO project, there is a product to suit you.  Our relationship with specialist lenders means you will gain access to products not available to direct clients.  Bespoke solutions are tailored exactly to your needs.

An Unrivalled Service

We exist to help you, the client. We work around the clock to secure your commercial property finance.  You will be kept fully informed of progress through to completion, and are always on hand to assist you in any way.  We take the strain of an application so so you can continue to focus on what's important to you.   

 

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Semi commercial property procures with a commercial mortgage

Case Study

Semi-Commercial Term Debt

An existing developer client of ours, who we procured development finance for a semi-commercial scheme in South  West London, asked us to arrange a long term commercial mortgage so as to repay the development lender.  

 

The hurdle that needed to be overcome was that the client wanted 70% loan to value, so as to redeploy some capital, however the debt service cover ratio (affordability calculation) didn’t support this level of gearing based on published rates/pricing.

 

Facility provided: We secured a lower bespoke pricing from a Challenger Bank on a 5yr fixed rate, so that the affordability calculation was improved and could subsequently support the level of debt/gearing sought.  Pricing offered at 4.55% per annum which was fixed for 5 years on an interest only basis and subject to a 2% lender facility fee. 

Residential buy to let in London

Commercial Mortgages Explained

Want to learn more about commercial mortgages?

If you are new to commercial mortgage finance and want learn more about how to procure finance visit our 'Commercial Mortgages Explained' page.  Areas covered include:

  • The different types of commercial mortgages

  • The costs involved with commercial mortgages

  • The documentation is required when applying for a commercial mortgage

High street shops procured with commercial mortgages

Why Montpelier Private Finance?

Independent

Our independence means that we are on your side throughout the whole process. No bias or affiliations, just working for what's best for you and your circumstances. 

Trusted

It's not just about finding the best rate.  Our reputation with lenders for thorough due diligence means that your application will be viewed with enhanced credibility.  

Reliable

Securing funding can be stressful and complicated. We remove that by managing the process from end to end.  You are always kept informed and never have to chase us for updates 

Montpelier Private Finance Limited is registered in England and Wales No. 07045306. Registered office: 162-164 High Street, Rayleigh, Essex SS6 7BS. Trading address: Old House Farm Barn, Oldhouse Lane, Coolham, RH13 8QP.  All rights reserved. Montpelier Private Finance Limited is authorised and regulated by the Financial Conduct Authority (No. 727149) The FCA does not regulate some mortgage contracts, please ask for details. Telephone calls may be monitored or recorded for training purposes.   

We may charge a fee for our advice. We may also be paid commission from the lender.

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