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St Barts Finance LTD is an appointed representative of The Openwork Partnership Limited, which is authorised and regulated by the Financial Conduct Authority

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We are part of one of the UK’s largest Financial Services Nerworks:

We are part of one of the UK’s largest Financial Services Nerworks:

Your Local Commercial Mortgage Broker

Welcome to St Barts Finance, your local commercial mortgage broker. We are a financial adviser that specialises in a wide range of services in the financial sector and have been serving our clients since 2009.

Our aim is to provide our clients with a service that we would expect and want to receive ourselves. Customer service is the most important part of our business. 

We have a fantastic team of mortgage brokers who can help and support you with your mortgage needs. Whether you need a commercial mortgage or something else, our advisers are both experienced and knowledgeable and are 100% committed to providing you with the best service possible. 

If you’re here looking for information on commercial mortgages then please carry on reading as you’ll find all your questions answered below.

If you want more information or want to start your commercial mortgage application today, then please call us on 03300 562 218 or send an email to [email protected]

Alternatively, you can book an appointment with a mortgage broker here.

Mortgage Broker in Chard, St Barts Finance Chard

A Guide on Commercial Mortgages

What is a Commercial Mortgage?

In the following information below you’ll find all you need to know about commercial mortgages, why they can be beneficial to you how to apply for one and why it’s best to speak with a commercial mortgage broker.

If you’d rather just speak to one of our commercial mortgage brokers straight away, feel free to book an appointment or give us a call. 

In a nutshell, a commercial mortgage is any loan secured on property which is not your residence. Commercial mortgages are also sometimes called ‘business mortgages’, and are for business owners who purchase property or land intended for commercial use. 

As your business grows and you’ve employed new staff or your demand has increased, you might want to consider opening new premises to have more space to operate. This is where a commercial mortgage can come in handy. 

Commercial mortgages are a popular option for most business owners in this scenario because they could help them save money on rent, maintenance, and management fees, which are typical costs associated with renting.


What are the Benefits of a Commercial Mortgage?

Owning commercial property definitely has its benefits.

Here are some of the main advantages of a commercial mortgage:

Lower Interest Rates – In most cases, commercial mortgages have lower interest rates when compared with other types of business loans. The typical repayment structure in commercial mortgages involves a fixed monthly payment, which is a big benefit for business owners as this can be easily factored into business outgoings and therefore provide increased accuracy in forecasting.

Capital Gains – Investing in property is becoming more and more popular due to the long term financial gains associated with the ever-increasing property market. If you’re property increases in value, you could also see an increase in capital.

Potential for Rental Income – If you have some space within your premises that you aren’t using, you could potentially rent it out and make some extra income. 

Cheaper than Renting – Most commercial mortgage monthly repayments can work out cheaper than renting or are equivalent to. However, where the magic happens is the long-term equity you can build within the property as you own it. 

Commercial Mortgage Broker pointing at a property, Mortgage Advisor in Swindon

Commercial Mortgage FAQS

Please see below some of the most popular questions our mortgage advisers get asked. 

Other Mortgage Services

As well as commercial mortgages, our mortgage brokers can provide a wide range of other mortgage solutions, all tailored to meet your needs and requirements. 

Here are some of the mortgage services we have available:

Mortgages for First Time Buyers

Bad Credit Mortgages

Mortgage Capacity Report

If you’re recently divorced or separated, then you might be interested in our mortgage capacity report service. A mortgage capacity report is a detailed document that states the amount and what type of mortgage you could get after a divorce or separation. 

This is usually requested by the courts when deciding on financial splits of assets, so it’s crucial that the mortgage capacity assessment and report are carried out by a specialist.

At St Barts Finance, we have mortgage advisors who are very experienced and knowledgeable when it comes to mortgage capacity reports, so give us a call today. 

If you’d like more information, here is a sample report for you to look at. Or alternatively, request a mortgage capacity report from our team online.

Example of a Mortgage Capacity Assessment

Contact Our Commercial Mortgage Brokers Today

At St Barts Finance, we are proud to offer our clients nothing less than the finest mortgage advice they can find. We have a dedicated team of financial advisers who are on hand to help you find the right mortgage for your needs and current circumstances.

We hope you’ve found our information on commercial mortgages helpful. If you’d like some more information or want to get the ball rolling on your commercial mortgage application, why not get in touch with a commercial mortgage broker today. If you’re in the local area, why not pop down to one of our local branches in Bournemouth. 

The best way to contact us is by using our online booking system, or alternatively, you can call us on 03300 562 218 or send an email to [email protected].

Mortgages & Pension Team Working in Head Office, Financial Advisor in Poole, Financial Adviser Southampton
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