Commercial Finance Lending

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Generally commercial lending is not regulated by the FSA however this may not be the case in the future. Like the UK residential market many banks and specialist lenders may potentially lend to businesses commercial finance.

The potential mortgagee will have certain criteria to fulfil in order to satisfy the underwriters. First the mortgage will have a decent sized deposit placed against it. The loan will have to be serviced with adequate income which will be proven. The business and owner will have a good credit track record and ideally a history of trading that would have to be demonstrated.

This is good for competition and criteria. However because the products and number of lenders are high then support from a broker would be prudent.

The recent credit crisis has placed pressure on banks and this has effected their ability to lend with confidence. A lack of liquidity in the lending market place has made lenders nervous. The effect has meant many products have been withdrawn through the fear over whether debts can be serviced. Arrears are increasing and property values are falling.

Lenders are playing it save and mainly lending to lower risk cases. The Bank of England has been in discussions with lenders to see ways that the market can stabilise and move forward in these difficult times.
The US crisis has had a big impact on the UK lenders for commercial mortgages some of the lenders here are also US backed.

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We can offer business mortgage advice on unregulated commercial finance only.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for broker advice, the precise amount of the fee will depend upon your circumstances and be confirmed in writing.
We are not regulated by the
Financial Services Authority who do not regulate some aspects of commercial finance, personal finances, buy to let and overseas property lending.

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