At ezcommercial, we realise that raising money against your commercial property is an important decision. That's why our approach is to provide the in principle decision without the need for up front costs. We can then offer certainty, flexibility and speed for all of our commercial mortgage applicants. Because we work with a select few lenders, we have a very close working relationship. This means the ability to give precise information when you need it.

• Loans to purchase your business premises
• Remortgage of your business premises
• Finance for residential or commercial property development projects
• Self Certification, which means you, may not need accounts. Important for start ups or recent business launches
• Credit problems accepted including mortgage arrears, bankruptcies and county court judgements

Our Commercial Mortgages can be utilised for any business reason, and we can secure against all types of commercial and residential property, or land. Whatever your business, make it ez.

Commercial Mortgages can be used for a variety of different business applications. The most popular purpose is the purchase of a business premises, whether purchasing an existing business, or starting a new one. You can also acquire a business mortgage to expand an existing business. Both of these purposes are often referred to as 'own use' commercial mortgages.

If you are looking to make an investment into a commercial or residential venture or project, you can still acquire a commercial mortgage or loan secured against property or land. You can also use a commercial mortgage for commercial or residential property development projects.

Like most secured property loans, a commercial mortgage entitles the lender to have legal claim over the property until the loan has been fully repaid. The commercial property or land can be repossessed and sold if you fail to keep up the repayments secured on the property, in order to repay the outstanding mortgage balance.

Use our ez service to get the mortgage you want and the service you deserve. Whatever the business purpose. Whatever your business or circumstances, make it ez.

• Borrow up to 85% of the property value
• Borrow from £25,000 to £5,000,000
• Get an immediate decision in principle

Proof of income is not always required and credit problems are accepted too. Whatever your business or status, make it ez.

Advantages of a commercial mortgage
Retain your business
There are many advantages to a commercial mortgage, but one of the most important is that you will retain ownership of your business and your business premises. Raising equivalent advances by using other investment options, may mean that you have to relinquish a percentage of ownership of the business. A commercial mortgage lender is only entitled to interest on its mortgage, and nothing else (providing repayments are made on time)

Capital/Asset Growth
By using a commercial mortgage, your property becomes an asset with the potential to increase in value. Owning property or land is a very effective method of achieving capital growth over the long term, although of course property can go down in value as well as up.

No rental instability
A Commercial mortgage repayment is often similar to a rental payment on the same property. The main difference is that rental payments can drastically increase depending on contractual obligations and landlords. A commercial mortgage will increase only as interest rates rise, but what if they fall? The result is a more stable planning term.

Lower interest rates
A commercial mortgage will compare favourably to unsecured, personal borrowings or overdrafts. This is due to the commercial mortgage carrying a lower risk to the lender, and therefore being able to offer longer term repayments and lower interest rates. This could be an attractive option for some businesses, as it would lower the overall monthly outgoings. Also, business mortgage repayments can be fixed so the business knows exactly how much the cost will be each month.

Tax deductible
Commercial mortgage interest payments are tax deductible and the net proceeds of the loan are not considered to be taxable income. This can contribute to reducing the overall tax burden of your business each year.

Better cash flow management
A commercial mortgage is normally set for a number of years, allowing a business to plan its profit and loss, and cash flow management accordingly. A commercial mortgage through ezcommercial provides the flexibility of a payment plan to suit your particular business needs.

Our core expertise at ezcommercial is providing tailored commercial mortgages for any type of business, and any type of situation.

Whatever your business or status, make it ez.

Contact
You can contact us by:

• email - contact@ezcommercial.co.uk 
• phone - 0800 811 8271
• let us contact you, enter your details in the form, to the right, click the 'Please contact me' button, and we will contact you as requested