Commercial Lending
Business owners! Help your business grow with the right financial solutions.
Commercial Lending
Business owners! Help your business grow with the right financial solutions.
Help your business thrive with the right financial advice.
No matter the type of business you run, there may come a time when you need financial assistance.
Let us guide you through these moments with expert advice tailored to your unique needs, ensuring your business continues to grow and succeed.
Looking for the best commercial mortgages on the market? Perhaps you’re a business professional with an impressive brand and a growing company who needs to find the perfect premises to operate from. If you aren’t quite at the point where you can buy a building outright, a commercial mortgage may be just what you need. Or perhaps you already have a building, and you want to explore your options with releasing equity by doing a commercial remortgage.
How it works
How it works
We can help secure commercial property mortgages for Limited companies, Limited Liability Partnerships, pension funds, charities among others.
Generally commercial mortgages work similarly to regular mortgages however there are some differences for example, some lenders will offer up to 100% loan-to-value (with additional security against another asset). They will offer loans with no upper limit on repayment and interest-only options with lots of competitive fixed and variable rates.
What types of business can we help with?
Here are just some of the businesses we can help, but of course we’re not restricted to just these types in businesses; Doctors, dentists, opticians, pharmacists, agriculture, care homes, restaurants, hotels, veterinarians, commercial property, any legal purpose, and much more.
Where should I start?
Most business owners start with their business bank. But many of these traditional banks are restricted in the type of borrowing they can offer, so may not be able to offer you the right solution for your needs.
What else should I consider?
Don’t simply settle for what your bank can offer. Speak to an independent commercial mortgage adviser. You’ll benefit from a whole-market approach that can help you see the different solutions that could help your business.
How can we help?
Don’t take no for an answer! Many of our clients had approached their banks and been declined. Speaking to Frog Financial Management has given them a broader choice of financial solutions so they can get on and grow their businesses.
Talk to an expert
“Having a specialist commercial broker is invaluable. We get to know your business, and, because of our knowledge of the whole commercial lending market, we can find the most suitable lenders and loans for your needs.
With over 15 years’ experience in the commercial lending sector, our commercial team can make a real difference. We are proud to be member of the NACFB, the professional association for commercial finance brokers and lenders, giving you confidence in our high industry and regulatory standards.”
Commercial Mortgages are not regulated by the Financial Conduct Authority.
Frequently asked questions
Frequently asked questions
A commercial mortgage is designed for purchasing property intended for business use rather than residential living or renting out. It’s a strategic investment for those looking to expand their commercial real estate portfolio.
Commercial mortgages usually come with higher interest rates compared to residential ones. This is because lenders perceive commercial loans as carrying greater risk.
Typically, commercial mortgages offer repayment terms ranging from one to 25 years, though they can extend up to 30 years in some cases. This flexibility allows businesses to tailor their financing to suit their long-term goals.
To qualify, you’ll generally need to showcase your experience in the sector, contribute 20% to 40% of the property’s cost, and provide evidence of your ability to repay the loan. Lenders will assess your company’s trading history as part of the underwriting process to ensure you can meet the repayment terms comfortably.
Yes, stamp duty applies to commercial properties, but the rates are typically lower than those for residential properties. This includes land purchases and transfers intended for commercial use.
Commercial mortgages fall into two main categories:
Owner-occupier mortgages:
These are for purchasing property that will serve as trading premises for your business.
Commercial investment mortgages:
These are intended for properties that you plan to let out.
Pros:
- The interest on your commercial mortgage is tax-deductible from your turnover.
- If the value of your property increases, so does your capital.
- Renting out the property can generate additional income.
Cons:
- A substantial deposit is required, usually around 30%, but this can vary.
- Expect to incur a range of fees, including arrangement, valuation, legal, and broker fees.
- Securing a business mortgage is a lengthy process, involving thorough financial and legal checks.
No Fixed Rates:
Typically, commercial mortgages do not have fixed rates, but where available, these rates tend to be higher.
Higher Interest Rates:
You’ll generally face higher interest rates than you would with a residential mortgage, as commercial loans are seen as higher risk by lenders.
Arrangement Fees:
These are often added to the loan after approval. Some lenders may require them upfront to cover their work, should you decline the proceed. Arrangement fees are usually 1% to 2% of the loan amount for loans up to £1 million.
Valuation Fees:
A valuer will assess the property and report back to the lender. These fees start around £500 for straightforward cases, with costs based on individual quotes, payable after an initial offer is accepted.
Legal Fees:
Both your legal fees and those of the lender need to be covered, typically starting at around £500 for each party.
Broker Fees:
A broker offers tailored advice and represents your interests to lenders. Frog Financial Management charges for its services, with details available elsewhere on this page.
Some of our Google Reviews
I cannot recommend them any more highly.
We will definitely be using his services again in the future!
I would highly reccomend Frog Financial to anybody about to embark on the complicated process of house buying and the necessary insurances!
The service felt personal, thorough and genuinely supportive. We ended up with a great deal and a smooth process from start to finish.
Would recommend Frog to anyone looking for a proper, reliable mortgage advisor.
I would highly recommend this firm to anyone one of my friends and family.
Even though our situation changed and we didn’t end up moving forward with the loan, we are grateful for all the help received. Their professional and supportive approach made a difficult situation easier to navigate. We would highly recommend Frog Financial to anyone seeking sound financial advice.
Ruth was also fantastic at following things up for us and keeping us informed of how applications were progressing.
Would definitely recommend Frog to anyone looking for a mortgage or insurance.
Estoy muy agradecido con Danni por su invaluable ayuda, ha sido una gran experiencia.
As FTB, it is a daunting process, with a lot of questions from us on the hows, whens, and whats. Greg made this less so, answering all questions clearly, and helping us to understand things. Not only this, Frog helped us to find the best rate available to us.
Lastly, Greg & Danni helped us to understand which personal insurance policies were best for us, taking the time to explain in layman's terms how each one could benefit us (or not), depending on our needs.
All in all, Greg & Danni have been a valuable part of our mortgage journey, and I would not hesitate to work with them again in the future.
Greg was extremely knowledgable and made a daunting process significantly easier - he was friendly, extremely clear and answered any questions or concerns we had throughout the entire process.
Greg really listened to our circumstances and it was clear he wanted an outcome for us that fit our needs, there was never any sense of trying to upsell or push us towards something that did not fit our needs and we reached an outcome we were extremely happy with.
Greg’s approach was extremely fair and it was clear that Frog Financial is far more interested in building a lasting relationship ship with their clients. I would not hesitate to approach Greg and Frog Financial again and will absolutely be using their services again when we come to our next application!
Would highly recommend to anyone looking for trustworthy and efficient financial advice.
The whole experience has been fantastic, professional, efficient, and stress-free. The member portal is another great addition, making everything even more accessible and straightforward.
I was so impressed that I even told my solicitor to recommend Charley to her clients. If you’re looking for someone who truly goes above and beyond, Charley is the one to trust. 100% recommend!
They have helped us to buy our first home and they were a huge helping hand when we had no idea where to start.
Thank you so much for making the house buying process almost completely stress free.
Highly recommended
The process was smooth and efficient, and Charley made sure I understood exactly what was covered and how the policy worked. She also provided excellent customer service, answering all my questions promptly and with patience.
I highly recommend Charley to anyone looking for reliable insurance advice and support. Thank you for making this process so easy and stress-free!
They were friendly, helpful and really responsive. It really felt they went above and beyond for us (saving us a few extra quid too).
Thank you very much
Will definitely be using them again.
They are quick to reply to any queries via email and on the phone. They provide well informed advice and are exceptionally friendly when answering questions.
I will definitely be using them again in the future!
Contact us for your fee free mortgage consultation
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We offer you initial no obligation consultations. Frog Financial Management will bear the cost of this, where we will: Describe our services more fully and explain the payment options. Gather and analyse personal financial information about you and your aims and objectives. Recommend and discuss any action we think you should take.
Refund of fees
All fees are fully refundable should we be unable to achieve a Lenders Mortgage Offer (as applied for), except in the following circumstances:
Client not proceeding due to own choice. | Client not proceeding due to valuation issues. | Client not proceeding due to property chain issues. |Client non-disclosure of material facts.
Example of fees
for residential mortgages
We typically charge £479,
payable on application.
Standard residential mortgage – £479
Shared ownership and Right to Buy – £524
Product switch – £95
Complex/impaired credit history – £697
Example of fees
for buy-to-let mortgages
We typically charge £479,
payable on application.
Standard Buy-To-Let mortgage – £497
Limited company Buy-To-Let mortgage – £647
HMO Properties/Portfolio landlords*- £679
Product switch – £95
Complex/impaired credit history and non-standard properties – £879
*A ‘Portfolio Landlord’ is defined as client(s) having four or more buy-to-let properties (mortgaged or mortgage free), on completion of this mortgage transaction.
Example of fees
Commercial mortgages
We typically charge £687,
payable on application.
Business Finance – £897
Development Loan – £897
Commercial Mortgage – £687
Bridging Loan – £687
Example of fees
Lifetime mortgages
We typically charge £995,
payable on application.
