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Commercial Finance

Finance for commercial property

Whether you are looking for your own business premises or seeking to diversify your investment portfolio, our commercial mortgage team work with both high-street and specialist lenders to help you achieve your aims.

A commercial mortgage is secured against commercial premises. This may be fully commercial (such as a factory or warehouse) or semi-commercial (such as a shop with a flat above it or a residential property that is also used for commercial reasons).

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Building being constructed

Commercial mortgages can be used for:

  • Buying property
  • Investment finance
  • Property development
  • Refurbishing owner-occupied business premises
  • Buying vehicles/machinery/other equipment to grow your business

Case Studies

Branching into semi-commercial

A client had identified a restaurant with three self-contained flats above that they wished to purchase. Although they were an existing landlord, they were still relatively inexperienced and this, coupled with the fact that it would be their first commercial/semi-commercial property, was an issue for some lenders. We placed the application with a lender that was happy with our client’s experience, would look at the restaurant income on the current lease and could turn everything around in a timely fashion to meet the seller’s deadline. (June 2024)

Consultant: Alex Penny

Purchase of a commercial nursery

Our clients wanted to buy the building they run their nursery business from. We were able to source a lender that would not only support the proposal to buy the property within a created limited company, but due to a great business model and good profit yields through evidenced accounts, the lender would honour 100% lending of the purchase price with no deposit. This meant that our clients could retain and utilise funds towards potential future expansion within their chain of nurseries. (March 2024)

Consultant: David Horn

Individually re-financing a portfolio

A client came to us with a portfolio comprising an HMO, two semi-commercial properties and a standard buy to let. The entire portfolio was held under one charge by a lender on a variable rate. We aided the client in remortgaging each property separately. By individually re-financing, the client saved thousands of pounds over the initial term, even when factoring in the 1-year early repayment charge from the current lender. Our lender relationships enabled the client to access semi-exclusive rates which were well ahead of the market. (January 2024)

Consultant: Keagan Riley

Contact Details

Trading office: Building Eight, Watchmoor Park, Camberley, Surrey, GU15 3YL

Registered in England No. 5695802

Tel: 01276 601040 or 0800 170 1888

Email: contact@dynamo.co.uk

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ALL MORTGAGES ARE SUBJECT TO STATUS AND LENDER CRITERIA.
MOST BUY TO LET MORTGAGES ARE NOT REGULATED.
A BROKER FEE MAY BE PAYABLE UPON MORTGAGE APPLICATION AS WELL AS AN ADMINISTRATION FEE. THE TOTAL FEE PAYABLE WILL DEPEND ON YOUR CIRCUMSTANCES. YOUR MORTGAGE CONSULTANT WILL EXPLAIN ANY FEES APPLICABLE IN YOUR INITIAL CONSULTATION.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.

Copyright © 2023-present, Dynamo Mortgages Limited. All Rights Reserved. Dynamo Mortgages Limited (including its trading names Dynamo, Dynamo for Intermediaries and The Good Mortgage Company) is registered in England and Wales under company number 05695802. Trading office: Building Eight, Watchmoor Park, Camberley, Surrey, GU15 3YL, UK. Registered office: Countrywide House, 6 Caldecotte Lake Business Park, Caldecotte Lake Drive, Caldecotte, Milton Keynes, United Kingdom, MK7 8JT. VAT Registration Number: 500 2481 05. For activities relating to regulated mortgages and non-investment insurance contracts, Dynamo Mortgages Limited is authorised and regulated by the Financial Conduct Authority, Financial Services Register number 472199. Please note that we are a broker and will act on your behalf to liaise with a mortgage lender or insurance provider.

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