Commercial mortgage loans can be split in two distinctive categories, “owner occupier” - the borrower is purchasing a business premises and “commercial investment” – the borrower is purchasing property as an asset to rent. Whatever the situation, TMS Commercial has the expertise to pull together the best deal for your business.

Working with our portfolio of lenders, we can help you through the maze of commercial finance options and strategies to arrive at a financing solution that works with your business.

The commercial mortgage market is characterised by complexities not present in the Residential and Buy to Let markets. The market in general does not feature the dynamic and highly competitive price points seen in the domestic market; however there are increasing numbers of lenders offering tranches of fixed rate money for small and medium sized loans.

Unlike the tick box and simple calculation approach employed in the domestic market to make lending decisions, the commercial market is based around complex pricing models and the verdict of lending panels at each individual institution.

TMS Commercial works closely with your business to ensure all the paperwork, forms and due diligence are satisfactorily completed and made available to the best lenders in the market place.

Borrowers should also be aware that the structure of commercial mortgages differ greatly from residential mortgages:

• some institutions will charge a lender fee.  Sometimes up to 1% of the value of the loan.
• a more expense property evaluation will be required given the nature of the of the complexities and covenants on many commercial properties.
• legal costs will be higher than residential mortgages
• interest rates between lender's may vary by as much as 4% depending on the individual risk model that each lender uses.

The value of a broker within this field cannot be overstated, due to the bespoke nature of every single commercial mortgage transaction.

Commercial mortgage terms are not set in stone and the broker's role in the transaction is negotiate the best rate and terms for their customer. Furthermore the broker's market knowledge means they are acutely aware of what achievable for their client given their specific circumstances.

TMS Commercial has the experience and connection to identify and broker the best financial commercial mortgage solution for your commercial property purchase.