Commercial Finance

At Bond Finance we spend time on the presentation to the bank to show the case in the best possible light. With our 20 plus year of experience, we understand what the underwriter is looking for, to sign off the case.

More about Commercial Finance

Unlike residential and buy to let mortgage finance, commercial finance mortgages are not off-the-shelf products – they are bespoke.

At Bond Finance we spend time on the presentation to the bank to show the case in the best possible light. With our 20 plus year of experience, we understand what the underwriter is looking for, to sign off the case.

The banks appreciate how we work and even refer us their clients when they are unable to agree a case for their own clients.

After submission of a case, the bank will normally offer indicative terms, which state a % margin either over Bank of England base rate or 3 month LIBOR. Higher margins are offered to reflect a higher perceived level of risk. Our aim is to present the case such that the risk perception is as low as possible.

The bank’s indicative offer terms will also state its arrangement fees (typically 1-2%) and the loan structure. The repayment schedule (often referred to as the amortisation rate) is specific to each set of circumstances. For commercial properties, this is usually no longer than the remaining years of the commercial lease and for residential properties the term can be as long as 25 years. We assist our clients in negotiating the most appropriate repayment schedule, possibly incorporating an interest-only period.

The actual term of a commercial loan from most lenders is usually no longer than 5 years, after which the loan needs to be repaid, or renewal terms negotiated

We are able to obtain funding up to 75% of the value of the property, or 100% plus if additional security is offered on a first, second, or third charge basis

Also included under the umbrella of Commercial Finance is:

  • Development Finance
  • Refurbishment Finance
  • Bridging Finance
  • Short term loam Finance

Bond Finance has an in-depth knowledge of all of the above

Bond Finance Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 310399 http://www.fca.org.uk/register.

Bond Finance Limited Registered Address: The Minster Building, 21 Mincing Lane, London, EC3R 7AG. Registered in England & Wales, No. 05050021.

Bond Finance Ltd is a credit broker not a lender

Neither Bond Finance Limited, nor their representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage.

The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

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