Commercial mortgages & property finance

If you’re looking to purchase or refinance a property your business trades from, a single commercial investment property, or a portfolio of investment properties, let Swoop do the hard work for you. Our team of experts will present you with all the options that are available to you for commercial mortgages, business mortgages and property investment loans.

Whatever your requirement, Swoop’s team of experts will work with you, using their knowledge, experience and skill to present your deal to lenders in the best shape possible. This reduces a lender’s perceived risk, opens up more options and reduces the interest you’ll be charged.

Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement.

Commercial mortgages & property finance

Commercial mortgage calculator

Use our simple commercial mortgage calculator to get an idea of what your monthly repayments could be and how much interest you will pay throughout the term of your loan.

Simply add the amount you’d like to borrow, the interest rate, and how long you’d like the repayments over and away you go!

Provide us with your details below and one of our team of finance professionals will contact you to discuss your requirements

4 years

This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.

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Meet the team

What is a commercial mortgage?

A commercial mortgage is a type of loan provided by a lender to a borrower that is secured by a legal charge over commercial property. Mortgages are attractive products which can be used to achieve a wide range of objectives such as contributing towards the purchase of commercial property, releasing equity to grow or invest in your business, refinancing to benefit from a lower interest rate or monthly repayments and consolidating existing debts into one manageable monthly payment.

What types of commercial mortgages are there?

There are three types of commercial mortgage:

  1. Owner-Occupied Commercial Mortgage
  2. Commercial Investment Property Mortgage
  3. Property Portfolio Loan

Owner-Occupied Commercial Mortgages are provided to businesses that trade from and own the property they wish to borrow money against.

Commercial Investment Property Mortgages are provided to property owners who are investors and receive a rental income from a third party tenant or licensee. In most scenarios the rental income the property generates is used to repay the debt over a period of time.

Property Portfolio Loans are provided to property professionals and investors. The lender will take some or all of the clients property investments as security (this may be residential, commercial or mixed use property, or a combination of all within the portfolio) and provide one loan, assessing serviceability by aggregating the total income from the portfolio to meet the proposed loan repayments.

What types of businesses can get a commercial mortgage?

Thanks to a wide range of lenders and a diverse debt finance market, all of the above facilities are available to sole traders, partnerships, large partnerships, limited companies, limited liability partnerships (LLPs), trusts, self-invested personal pensions( SIPPs) and SSASs (small self-administered schemes (SSASs)

There is a restricted appetite for off-shore companies, but options are available in the market.

What do I have to do to qualify?

Each lender in the market has different criteria and appetite which are liable to change over time. SMEs and property professionals will therefore find it vital to have a specialist broker amongst their ranks to help navigate and display the options that are available at a given time. The six key areas lenders examine when assessing an application are:

  • Personal and business credit history
  • Experience and background of the borrowers and/or the key people involved in the business (such as the management team)
  • The type of property/business you wish to purchase or refinance
  • The proposed loan-to-value (LTV) 
  • Affordability: can the property/business afford to repay the borrowing it has requested?
  • Sustainability: is the income source to repay the loan sustainable for the full duration of the proposed loan(s) facility

Don’t worry if you can’t put a tick in all these boxes, as Swoop’s specialist brokers are on hand to work with you and support you in achieving your objectives.

What are the interest rates & other costs involved?

Interest rates and other deal costs vary from lender to lender. They typically start at c. 2% with the larger traditional banks, rising up to c.12% with niche lenders for high-risk transactions. Again, this is where a broker is important to navigate the market and present to you the most competitive solutions for your specific set of circumstances by approaching a wide range of lenders with your application.

Pricing is directly linked to a lender’s perceived risk in lending the money. The lower the risk of the deal going wrong or business failing, the lower the interest rate will be. The Swoop team is trained to work with customers to structure applications and present them to the market in the best light possible, therefore ensuring you benefit from the best terms lenders can offer.

When comparing commercial mortgages, you will need to factor in the associated costs, such as:

  • Arrangement fees
  • Valuation fees
  • Legal fees

The following fees may also be applicable:

  • Exit fees
  • Commitment fees
  • Monitoring fees

How long will it take to get a commercial mortgage?

Arranging a commercial mortgage or a property portfolio loan, depending on the purpose of the loan, typically takes between two and six months. The more complex the deal, the longer it takes. For example, a straight refinance of an existing property to release equity can be achieved in six to eight weeks. By contrast, the acquisition of a going concern can take more than six months to complete because of the level of legal and financial due diligence that may be required.

What information or documentation do I need to apply?

Registering with Swoop will enable you to speak to one of Swoop’s specialist commercial finance team. Once we’ve confirmed that your requirements are realistic and achievable for lenders to fund, we will require the following information to start looking for deals: 

  • Confirmation/proof of the income that will be used to repay the debt, such as the last three years’ financial accounts for a trading business and/or lease agreements for property investment applications
  • Your latest management accounts (simply connect your accounting software to your account on Swoop and the integration will quickly find the information required)
  • Last six months’ personal and business bank account statements to review account activity (connect your bank account via the UK’s open banking platform to your account on Swoop and we’ll gather the information automatically)
  • Business plan and/or financial forecasts
  • CVs or background summary of the borrowers or management team
  • A&L (asset and liability) and I&E (income and expenditure) statements for all borrowers (20+ percent shareholders)

Other types of property finance explained

Corporate Buy to Let Mortgages: these are the same as normal buy to let mortgages, in that they are secured against residential property/ies. The only difference is that  the borrower and owner of the property is a UK registered Limited Company. Swoop’s team of experts can work with you to present the various options that are available in this market.

Development Finance: a Development Finance Facility or Property Development Loan is a facility that is specifically designed to help fund the construction of new build property, be it a single house, or a large scale development containing 50 or more units. They are usually drawn down in stages, at various milestones as the work to build the property progresses. Interest is usually capitalised (added to the loan balance), rather than serviced, with the sale or refinance of the property/ies on completion being the source of repayment for the loan facility.

Whatever your requirements, when it comes to commercial mortgages and property finance, Swoop’s team of specialists are on hand to guide you through the process and deliver the most competitive offer of finance the market has to offer you and your business.

Why should I use a broker to access a commercial mortgage or property finance?

SMEs and property professionals are busy enough managing, growing and developing their business, without the added task of chasing banks and lenders trying to arrange finance too. A good broker doesn’t just arrange finance, they manage, control and coordinate the whole process from start to finish, freeing you up to focus on running your business.

Swoop’s team of specialists are professionals in their fields. We work with borrowers, using our knowledge, experience and skill to present deals to lenders in the best shape possible. This reduces a lender’s perceived risk, opens up more options and reduces the interest you’ll be charged for borrowing the money.

Covering the whole of the UK, Swoop’s extensive network and reach sees us working with over 150 lenders across a range of commercial finance products, loans and facilities. Navigating this market is often complex, time consuming and frustrating. We do all the hard work for you, using our vast experience and up to date knowledge of lenders’ appetite and criteria, which means we can get your application in front of the right lenders and underwriters as quickly as possible, saving you time and effort.

As a successful commercial finance brokerage, we have access to lenders that the general public just don’t know about. There are lenders in the UK market who only deal with intermediaries, meaning the only way you can access them is through Swoop. In addition, we also benefit from exclusive offers from lenders which don’t exist for single customers approaching a lender.
The first step is to arrange a conversation with one of our team. Register with Swoop to get started.

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