We are pleased to be the first brokers to introduce clients to a new form of investment that brings those with money to invest together with Property Professionals looking for finance for Buy to Let property. Based on the model of direct lending between Investors and Businesses in sites like Funding Circle or Zopa this takes it to the next logical step.

For these sites the investment is made to … Read the rest

We have produced a Guide for Commercial Mortgages to help you understand what you need to do to successfully get a Commercial Mortgage. You can download the Guide for free.

The Commercial Mortgage Market is tougher than it has ever been so if you want to see if you have a realistic chance of getting a Commercial Mortgage then our free guide is esssential reading. Click here to download and … Read the rest

Almost all our Clients are self employed. Many are in partnership with others.

Most of them will have a number of insurances in place to protect their property, contents or vehicles and to protect  against things like public liability. But what about the most important part of the business? You!

If you died then eventually your estate passes to your beneficiaries but in the meantime they will be subject to … Read the rest

As one of our Clients you almost certainly have a potential liability for Inheritance Tax if you die suddenly. Our typical client owns their own property and has at least one additional property. In many cases they have more than one and also have large cash deposits typically £50,000 or more. We do not take a full inventory of assets so we would imagine they will also have other assets.… Read the rest

Most Owners are aware that if they spend money to improve their property they can offset capital allowances against their tax bill. But did you know that  as the Owner of a property you are entitled to reclaim capital allowances against that part of the property which represents fixtures and fittings even if they were there when you purchased. This is a one-off claim and if it has been made … Read the rest

We are developing a range of new serivces for commercial mortgage clients. These will include legal services, tax services, surveying and rent review services.

We will also look at areas not directly related to property but where property clients may need help. This will cover areas like Inheritance Tax Planning , life insurance or keyman insurance

We will be looking to provide solutions to common problems faced by commercial mortgage … Read the rest

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This is a series of articles covering the basic requirements if you want to successfully get a commercial mortgage. So far we have considered the need for a deposit and the need to be able to  prove your income. In this article we will look at the third main requirement to successfully get a commercial mortgage or remortgage and that is the need to be able to produce the necessary … Read the rest

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This is a series of articles covering the basic requirements if you want to successfully get a commercial mortgage. In the last article we looked at the need for a deposit. In this article we look at the second basic requirement which is to  prove you can afford the repayments on the loan

How do you prove you can afford the repayments?. For almost all Commercial Borrowers who will be … Read the rest

This is the second in a series of articles about  how to get a Commercial Mortgage. Please go to  our site at www.justcommercialmortgage.com if you want to see all the articles in the series

We have discussed how difficult it is at the moment to get a Commercial Mortgage. Today we are going to look at some very simple rules which  you must comply with if you want to get … Read the rest

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The commercial mortgage market has never been tougher than at the present time. Banks and Building Socities seem reluctant to lend to Commercial Buyers even when they have good security and income. 

The headlines in the daily papers perhaps help explain the macro economic picture that at the micro level is causing this lending famine. The Banks just do not want to increase their exposure to an area where they … Read the rest