Finding you the best Commercial Mortgage Deals

At West One Mortgages we are able to source Commercial Mortgages via our connections with both High Street lenders and Specialist Banks which are aimed purely at the commercial sector.

We offer a hassle free approach to finding the very best Commercial Mortgage to meet your requirements. We have access to the Key Relationship Managers within the banks and are able to utilise our strong relationships to gain access to exclusive rates; so you get the very best deals. We will then project manage your whole Commercial Mortgage from start to finish, taking the stress away from you.

So if you would like to review your existing Commercial Mortgage, or you are wishing to move to new premises, please simply contact us, we will be delighted to work with you.

Bridging Finance

Bridging Finance companies are no longer viewed as the lender of last resort, but a sensible way for clients to finance cases that fall outside the criteria of mainstream lenders.

  • Speed – Investors are increasingly using bridging loans as a useful way to expedite the completion of their proposed transaction. West One Mortgages regularly provides funds to clients within seven working days, but in urgent cases funds can be released within 48 hours.
  • Condition of property – Traditional lenders, especially on buy-to-let mortgages, will often put 100% retention on a mortgage if the property has no kitchen, no bathroom or is in poor condition. West One Mortgages can help to source lenders that do not operate in these retention conditions and instead would  base its lending on the value of the property in its current condition.
  • Chain breaking – You may have found your “dream house” but are unable to sell your current house within the necessary time frame. In these situations, West One Mortgages can help sourcing a bridging loan secured against your current home in order for you to transfer your current residential mortgage to your new property. You will then repay the bridging loan from the proceeds that will be generated from the sale of your current home.
  • Second charge lending – West One Mortgages is willing to refer via a 3rd party, in order to source second charge lending even when there is an existing mortgage on the property. This service can be useful if you have a significant amount of equity in your property, require funds for a short period of time and would prefer a second charge loan rather than a remortgage or a further advance on your current mortgage.

“Please note that Commercial Mortgages and Bridging finance are referred to a 3rd party”