Keeping Commercial Mortgages and Commercial Finance Simple

An Advertising Feature

For people who own a business obtaining commercial mortgages and commercial finance can often be a complicated and confusing task. Your own bank maybe unhelpful, they may seem expensive or you may be curious to know if you can obtain a better deal elsewhere. It is important to find your business the correct finance facilities to help your business develop and grow whilst also keeping finance costs down to make the most profit.

Independent commercial mortgage and business finance brokers KIS Commercial Finance can help small and new or large and long established businesses obtain the best deals on their finance facilities. They have experts in all the areas of commercial finance that they provide, and remain completely independent therefore allowing them to access the best lenders and finance houses currently in the market.

From your first call to KIS Commercial Finance to completion of any finance facility, you are sure to find that these independent brokers stay true to their name and keep the whole process simple and straightforward. The Keeping It Simple team will do the work so that you are not distracted leaving you to get on and run your business.

Available through KIS Commercial Finance are commercial mortgages, bridging loans, buy to let mortgages, asset finance, invoice finance, development loans and commercial finance.

Commercial mortgages are available from £75,000 to amounts in excess of £100 million. Large commercial mortgages are very specialist, so KIS Commercial Finance has separate facilities for this type of mortgage lending. Commercial mortgages are available to sole traders, partnerships or companies for purchasing or remortgaging commercial property such as shops, warehouses, offices, commercial units, hotels, guest houses, pubs, restaurants, development land, agricultural land, golf clubs, leisure clubs and factories.

Commercial remortgages are available as an option for raising funds by using the available equity from a commercial property. This is a popular way of raising funds to clear more expensive finance arrangements, or to provide a welcomed cash injection. A commercial remortgage could of course be just simply used to secure a better mortgage deal.

There is an extensive choice of buy to let mortgages available through KIS Commercial Finance. Plans are available up to 85% loan to value (subject to status) and many plans use the estimated rental income from the property to calculate affordability. Residential buy to lets are currently increasing in popularity due to rental income increasing because of the growing demand for rental property from people struggling to obtain mortgages and getting on the property ladder.

Let to buy mortgages are also very popular as more people buying a new home opt to keep their existing property to rent it out rather than selling in the current depressed property market.

Commercial buy to lets are proving to be popular because the rental returns from certain well chosen commercial property can be greater than those for residential letting property. Commercial buy to lets are usually funded through commercial mortgages.

Most businesses require equipment, machinery or vehicles, which can be acquired through asset finance, hire purchase, lease purchase, finance lease and equipment finance. KIS Commercial Finance as completely independent asset finance brokers have access to all the most competitive finance providers to ensure that they find their customers the finance facility that best suits their requirements and budget. A huge variety of assets can be acquired through asset finance in order to replace worn out machinery and equipment, for business expansion or to improve efficiency.

Asset finance can also be used to provide cash injections for a business by refinancing existing assets that are already owned. The funds raised can be used to pay debts, purchase other assets, fund business development and expansion or to just provide a needed cash injection.

When funds are required quickly and for a short period of time, bridging finance may be the best option. Bridging loans are also useful when the security being offered is in a poor state of repair and in need of renovation or restoration.

Another option for raising funds to improve cash flow or to invest back into a business is invoice finance. Simply invoice finance raises funds secured against money owed through outstanding invoices.

For more information concerning commercial mortgages, commercial finance and buy to let mortgages please contact KIS Commercial Finance on 0800 644 6555.