Commercial Mortgages
how we can help
Unleash the full potential of your business with the strategic use of commercial mortgages.
Our mission is to stand firmly by your side, offering the financial expertise and support necessary to transform your dreams into reality. Through our personalised commercial mortgage solutions, we pave the way for your business to not just survive but thrive, making every square foot of your property a testament to your success.
- HMO Hotels
- Office, Retail Units
- Light/Heavy Industrial
- Multi-Unit Flats
- Warehouses and Factories
- Agricultural
- and more.
What is a Commercial Mortgage?
A commercial mortgage is a loan secured by commercial real estate, encompassing properties such as office buildings, warehouses, or retail spaces. This financial solution grants businesses the essential capital to acquire or refinance properties, typically offering favorable terms and competitive interest rates.
Property Ownership
Acquiring property through a commercial mortgage means you're building equity and long-term value for your business.
Financial Stability
Fixed interest rates and predictable payments help stabilise your financial planning, ensuring you can meet your obligations.
Expansion Opportunities
Commercial mortgages enable you to expand operations, open new locations, or diversify your real estate portfolio.
Tax Benefits
Enjoy potential tax advantages, such as deducting mortgage interest and depreciation, reducing your overall tax liability.
At Zeus Financial Partners, we provide a comprehensive suite of commercial mortgage services tailored to your unique needs. Our team of experts will collaborate closely with you to craft financing solutions that align precisely with your business objectives. Whether you’re a seasoned investor or a first-time buyer, our services include:
Purchase Financing: Secure the property your business needs with tailored purchase financing solutions.
Refinancing: Optimise your existing property investments with favorable refinancing options.
Loan Structuring: Benefit from our expertise in structuring loans that align with your financial strategy.
Term and Interest Rate Options: Choose from a variety of terms and interest rate options to suit your budget and goals.
At Zeus Financial Partners, we are committed to facilitating your business success through expertly crafted commercial mortgage solutions.
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Frequently Asked Questions
A commercial mortgage is a loan secured by a commercial property, such as office buildings, retail spaces, industrial facilities, or multifamily properties. It’s typically used by businesses or investors to purchase, refinance, or develop commercial real estate.
Commercial mortgages can be used to finance a variety of properties including office buildings, retail centers, warehouses, industrial facilities, apartment buildings, mixed-use properties, and more. The eligibility of the property may vary based on the lender’s criteria.
Commercial mortgages differ from residential mortgages in several ways. Commercial mortgages usually have higher interest rates, shorter loan terms, and larger down payment requirements. Additionally, commercial mortgage underwriting relies more heavily on the income generated by the property rather than the borrower’s personal income.
Terms and conditions of commercial mortgages can vary depending on the lender, the borrower’s financial profile, and the property being financed. However, typical terms include loan amounts ranging from hundreds of thousands to millions of dollars, interest rates based on market conditions and the borrower’s creditworthiness, loan terms ranging from 5 to 25 years, and down payments typically ranging from 20% to 35% of the property’s purchase price.
Lenders consider several factors when approving a commercial mortgage, including the borrower’s creditworthiness, the property’s appraised value, the property’s income-generating potential, the borrower’s financial stability, the property’s location and condition, the borrower’s experience in managing commercial properties, and the loan-to-value ratio.
The documents required for a commercial mortgage application may vary depending on the lender and the complexity of the transaction. However, common documents include a completed loan application, personal and business financial statements, tax returns, property appraisal reports, environmental assessments, lease agreements (if applicable), business plans (for new developments), and other relevant financial documents. It’s important to consult with your lender to determine the specific documentation needed for your commercial mortgage application.
