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Commercial Building Exterior

Commercial Finance

Commercial Finance can be arranged for purchasing or remortgaging property that is primarily used for commercial or business use for a business to trade from. Alternatively, it may be purchased as a form on investment with the aim of leasing out. 

Commercial mortgages are considered more complex than traditional finance therefore require commercial specialists to ensure you are looking at every avenue to secure appropriate finance. 

Whether you are looking to occupy a commercial property for your own business or let as an investment, Beneco can help source the most suitable products from our commercial lending panel. 

  • Individuals, Ltd companies, SPV's, Pensions (SIPP & SSAS) and offshore entities can be considered

  • Investment or trading business

  • Variety of repayment methods - Repayment or Interest Only

  • Typically a 25% deposit required. Less deposit options may be available with proving additional security. 

  • Higher Loan to Value (LTV) may be achievable depending on your sector

  • Competitive and bespoke rates available from our lending partners

Examples of What commercial finance can be used for:

  • Nursing & Care homes

  • Dentistry and medical facilities

  • Pubs, Clubs, Restaurants

  • Retail Units

  • Offices

  • Convenience Stores

  • Warehouses

  • Factories

  • Industrial premises

Don't fret if your sector or commercial need is not listed above, speak to our team on 020 8050 2478 and we can discuss your options with you via a free non obligation consultation. We'll then speak with our commercial partners to see whether we can secure the funding you need. 

Supporting More
complex situations

Sharia Compliant

At Beneco Financial Services we can support you in obtaining an Islamic mortgage that is compliant with Sharia Law. These mortgages are not the same as traditional mortgages because they don’t involve paying interest. We’re one of a limited number of companies who has the permission from The Financial Conduct Authority to arrange Sharia Compliant Mortgages

For Customers with bad credit

It’s often possible to obtain a mortgage with a bad credit history, although the options available to you may be limited or not with the lender of your choosing. At Beneco Financial Services we have the experience of what lenders are looking for and what they will consider.

Self Employed & Sole Traders

Accounts for 2 years is preferred, but, If you have less than 2 years it could still be possible to obtain a mortgage. Most mortgage lenders will average your income but there are some lenders who consider your latest year figures. Also, there are lenders who could consider using your retained profit, salary and dividends, if you’re a Ltd company director and take a low salary and dividends but have a high retained profit.

At Beneco Financial Services, we can navigate the complexity that complex mortgages, self-employed/sole trader status and adverse credit history can bring to mortgage applications.

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