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Working in partnership with you and our extensive panel of
lenders, we can save you time and money by getting the best
commercial mortgage loan first time.
- Our lenders offer speed and flexibility yet remain
competitive. They typically offer a high loan to value which can
release valuable funding into your business.
Complete and submit an
Outline Proposal and an
adviser will contact you.
- We can provide you with a free ‘in principle’ decision,
typically in 48 Hours.
- Fill out our simple Outline Proposal and one of our
professional advisers will contact you to finalise your
requirements and indicate terms.
- To learn more about the mortgage process
click here...
Please note, the values shown below are only indicative
lending parameters and each proposal is dealt with on its
own merits
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Commercial Units
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Shops and Offices
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Hotels, Pubs & Restaurants
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Residential and Nursing Homes
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Professional Practices
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Farms / Agriculture
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Residential Investment (Buy To Let)
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Commercial Investment Property
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Residential Development Finance
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Commercial Development Finance
Commercial Units
- Loans up to 80% of valuation are available (up to 100%
for sitting tenants buying at discount).
- Repayment term up to 25 years.
- Interest from 0.75% to 3% over base rate.
Notes
- Good accounts showing ability to service the level of
mortgage, attract the best rates.
Shops and Offices
- Loans up to 75% of valuation are available, up to 100%
sitting tenants buying at discount.
- Repayment term up to 25 years.
- Interest 1.5% to 3% over base rate.
Notes
- Owner occupier or leasing for investment purposes.
- Loans available for leaseholds up to £75,000 over max 5
years.
Hotels Pubs and Restaurants
- Loans up to 75% of 'going concern valuation' (90%/100%
of bricks and mortar) on hotels and pubs.
- Repayment term up to 25 years.
- Interest from 1.75% to 3% over base rate.
Notes
- Whether owner occupier or leasing for investment
purposes.
Residential and Nursing Homes
- Loans up to 75% of 'going concern valuation' (100% of
bricks and mortar).
- Repayment term up to 25 years.
- Interest: 1.25% to 3% over base rate.
Professional Practices
- Loans up to 100% of purchase price/valuation.
- Repayment term up to 25 years.
- Interest 1% over base upwards.
Notes
- Accountants, Dentists, Doctors, Solicitors, Surveyors,
Vets.
- Property and unsecured funding for almost any purpose.
- Particularly attractive rates are available for this
sector.
Farms / Agriculture
- Loans up to 75% of valuation.
- Repayment term up to 25 years.
- Interest from 1.25% over base rate.
Residential Investment (Buy to Let)
- Loans up to 90% of valuation.
- Repayment term up to 25 years.
- Interest from 1% over base rate.
- Interest-only loans available.
Notes
- Individual Buy to Let
- Professional Landlord's portfolio investment scheme
more...
- capital release and reinvestment in further property.
Commercial Investment Property
- Loans up to 85% of valuation.
- Repayment term up to 25 years.
- Interest from 0.75% over base rate.
- Up to 5 years interest-only. 1-25 years fixed rates
available.
Notes
- Good quality tenants and higher level advances attract
better terms.
- Flexible repayments to meet cash flow from rental
income.
- Professional Landlord's portfolio investment scheme.
more....
- SIPP and SSAS schemes.
Residential Development Finance
- Up to 80% of costs*
- Interest from 1.5% over base rate.
Notes
- * Includes site acquisition and development costs.
- Mezzanine funding available.
Commercial Development Finance
- Up to 80% of costs*
- Interest from 1.5% over base rate.
Notes
- * Includes site acquisition and development costs.
- Mezzanine funding available.
Commercial mortgages can sometimes be difficult and
complicated to secure, so why not let VFS guide you through the process
and help you get the right one for your business?
To start the
process off, complete and submit an
Outline Proposal today or
Contact Us for more details.