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Whether you’re expanding, relocating, or investing, our expert team is here to help you find the right commercial mortgage to support your business growth.
When it comes to commercial mortgages, one size does not fit all. At Counting King, we take the time to understand your unique business needs and financial goals. Our tailored approach ensures that you get a mortgage solution that perfectly aligns with your vision for growth and stability.
With years of experience in the commercial property market, our team has a deep understanding of the complexities involved in securing a commercial mortgage. We leverage this expertise to guide you through the process, helping you navigate any challenges that may arise.
We’re committed to being more than just a service provider—we’re your partner in business growth. Our team is here to support you every step of the way, from the initial consultation to the final signing. You can count on us to provide clear communication and reliable advice throughout the entire process.
Thanks to our strong relationships with a wide network of lenders, we can offer you access to some of the most competitive rates on the market. We work hard to ensure that you get the best possible terms, helping you save money and invest more in your business.
We understand that every business is different, which is why we offer flexible financing options that cater to a variety of needs. Whether you’re looking for a short-term solution or a long-term investment, we can help you find the right mortgage plan.
At Counting King, your success is our success. We’re dedicated to helping you secure the property financing you need to grow your business. Our commitment goes beyond the transaction—we’re here to build a long-lasting relationship that supports your ongoing business development.
We assess your financial needs and recommend the most suitable Commercial Mortgage solution.
Our experts match you with the best Commercial Mortgage Providers from our extensive network.
We assist with the process, ensuring all necessary documentation is included and clearly presented.
We expedite the approval process, ensuring you receive funds quickly and efficiently.
We provide continuous support, assistance, and updates throughout the financing period.
A commercial mortgage is a loan secured on a property that is used for business purposes. It can be used to purchase, refinance, or develop commercial real estate, such as offices, warehouses, retail spaces, or industrial units.
The primary difference is that a commercial mortgage is used for properties intended for business use, whereas a residential mortgage is for private homes. Additionally, commercial mortgages typically have different terms, interest rates, and qualification criteria compared to residential mortgages.
You can finance a wide range of properties with a commercial mortgage, including office buildings, retail stores, warehouses, factories, mixed-use properties, and more. Whether you need space for your business operations or an investment property, a commercial mortgage can provide the necessary funding.
Eligibility for a commercial mortgage generally depends on the financial health of your business, the type of property you’re purchasing, and your credit history. Both established businesses and new startups can apply, although the terms may vary based on the risk profile.
Commercial mortgage terms can vary widely but typically range from 5 to 25 years. The interest rates may be fixed or variable, and the loan-to-value ratio (LTV) is often lower than for residential mortgages, usually around 60-75%.
The amount you can borrow depends on several factors, including the value of the property, your business’s financial strength, and the lender’s criteria. Commercial mortgages usually cover 60-75% of the property’s value, but this can vary.
In addition to the interest rate, there are several other costs to consider, such as arrangement fees, valuation fees, legal fees, and sometimes early repayment charges. It’s important to factor these costs into your overall budgeting.
Yes, new businesses can apply for commercial mortgages, though the application process may be more stringent. Lenders will look at your business plan, financial projections, and possibly personal guarantees to assess the risk.
An owner-occupied commercial mortgage is used when the business owner plans to use the property for their own operations. An investment commercial mortgage is for properties that are purchased to be rented out to other businesses, generating rental income.
Applying for a commercial mortgage typically involves several steps, including an initial consultation to discuss your needs, a review of your financial documents, and a property valuation. Our team at Counting King will guide you through the entire process, from application to approval, ensuring everything runs smoothly.
To find out more, get in touch with our experts and download our free digital brochure today.
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Contact Us to learn more about our Commercial Mortgage options and how we can help with your purchase.