At A Commercial Mortgage 4 You we realise that recognising the underlying needs for Refinancing a Commercial Mortgage is of high importance. The quality of the advice offered is directly related to these factors which have to be fully examined at the outset. We see our role in working with our clients as being a supportive solution and providing commercial solutions.
The reasons for considering Commercial Mortgage Refinancing can be many and varied. For example a business may be faced with what it sees as an unmissable opportunity to either expand the current business or perhaps purchase another business which would then enable both businesses to grow in tandem together. The main reason that most clients wish to consider a Commercial refinance is due to their existing lender or bank being unwilling or unable to accomodate the needs of the business at a given momment in time. It may be that the business has expanded and needs to consider a higher working overdraft or would need a capital injection to purchase more stock or even buy into another business. Another reason could be that when the first commercial mortgage was taken the terms available at that time now prove to be unacceptable as the business has expanded and progressed and is now able to produce accounts and a good business plan for the future. It may also be that historically the partner or directors may have had bad or adverse credit which would have affected their ability to lend when they wished to purchase a property or negotiate their terms for banking with their current bankers. A fresh look at current banking facilities may indicate that the client should consider moving lenders and even their bankers to achieve improved lending and banking terms. Lenders are also far more attracted to the higher loans i.e. (£1,000,000+) coupled with a low loan to value which gives the bank the comfort zone of an increased level of security.
If a business is going through a difficult period of trading due to poor cash flow or business debts then every avenue of refinancing should be considered from asset finance, restructuring existing banking arrangements or even factoring in existing debts in the short term. Provided the business has an acceptable level of security a longer term finance solution may be available.
For more information or to enquire about Commercial Mortgage Refinancing simply call us on 0845 2 605 506 or request a call back
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Commercial Tool Suite
Ok we have been working very hard on our new commercial mortgage tools from the basic calculator to the advanced property price predictor tool. Our new property tool suite is finally finished and ready for you to download and trial, featuring a mortgage calculator, property price predictor, home paint pad, map getter and more.
Size: 11.3mb
OS: 98/ME/XP/NT/2000
Type: ZIP (Exe setup)
If you like our software and want to leave a comment then visit our commercial mortgage blog. We continue to develop new commercial mortgage tools.
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If you are looking to refinance your commercial mortgage then you have come to the right place. What ever the purpose for refinancing we are confident that we can find you the best refinancing rates, if you are unhappy with your current rate then we can help.
Site Updates: Thursday 7th Aug 2008
Featured in The-Mortgage-Hub ã 2006
Site Last Updated: Thursday 7th Aug 2008
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Commercial Mortgages and Professional Mortgage Advice from Michael J Alexander Group
