2nd Floor, 29 Crouch St, Colchester CO3 3EN

Commercial Mortgages

At Michaels Commercial, we arrange and administer a wide range of diverse financial solutions to meet our clients’ needs when looking at the acquisition and development of freehold commercial, retail and investment properties.

With our network of over 250 UK based lenders, we will scour the entire market to find the best & most suitable commercial mortgage for both Owner Occupier and Investment purposes for the following premises:

• Offices, warehouse and industrial premises.
• Residential and Commercial Mortgages for Property Development and Refurbishment.
• Commercial Mortgages for Nursing / Care Homes and Day Nurseries.
• Professional landlord, Buy to Let mortgages and portfolio consolidation / equity release.
• Commercial Mortgages for High Street Retail premises, semi-commercial, shops, take-aways.
• Pubs, clubs, hotels, restaurants, cafes and other licensed premises.
• Farms, equestrian and agricultural units.
• Leisure Facilities – health clubs, gyms, caravan sites, golf courses etc

Why would a Commercial Mortgage work for you?

We specialise in providing financial assistance for all customer requirements, whether you are an existing business owner looking to expand your business or helping those taking their first steps in starting your own company, we are happy to provide the financial assistance you need to achieve your goal.

If you have had credit problems in the past, this will not automatically be an obstacle for you in regards to getting funding as due to our well established network of lenders, we have lending partners who specialise in this area and are always on hand to look at assisting you and your business needs.

Audited business accounts or a previous trading history are not always necessary as lending decisions can be made against the value of the property and your ability to repay the loan from business income or property rental where appropriate.

How much can you borrow?

As a broad guide, we can arrange a Commercial Mortgage up to 80% of the value of the property or 75% of the business purchase price, which can include additional assets (goodwill etc) if you are taking over a going concern.

We have multiple strategic partnerships with lenders who will, in certain circumstances, offer a Commercial Mortgage to 100% funding depending on your individual circumstance and if additional security is available.

We can look to assist you further with the possibility of securing additional top up and bridging finance for the purchase if necessary.

We also have specialist products and financial deals available of up to a potential 95% funding for sitting tenants wishing to buy the business or Commercial Property they are currently successfully renting.

What interest rate will you pay?

The interest rate and terms offered will vary from client to client depending on your scenario and the factors involved, for example, the amount you want to borrow as a percentage of the purchase price, the term of the loan and your previous credit history.

Via our network of lenders we have the most competitive interest rates anywhere in the market and promise to source you the best Commercial Mortgage deal possible..

Why Use Michaels Commercial?

A Commercial Mortgage, like any mortgage, is a massive commitment and undertaking where you need to know you are getting honest, genuine and impartial advice which is what we pride ourselves on at Michaels Commercial.

As this is a very specialised financial product, the majority of lenders will only elect to work only via qualified and accredited Commercial Mortgage brokers to ensure their products are taken out by the right customers.

We will professionally assess your borrowing demands, needs and requirements to accurately match these with a Commercial Mortgage lender whilst ensuring you get the funds as speedily as possible fully packaging the application on your behalf and then case managing it through the application process to completion.

Our goal is to quickly provide you a with a firm and competitive proposal to consider, and we will aim to have this for you within a short matter of hours so you have the peace of mind whilst that your funding will be in place. Our specialist knowledge and advice will save you significant time and generally save you many thousands of pounds over the term of the loan by matching the best mortgage product to your exact needs.

Contact Us Now To Arrange Your Appointment


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2nd Floor, 29 Crouch St, Colchester CO3 3EN

Legal Info

Registered Office:
Michaels Commercial Finance
2nd Floor, 29 Crouch St, Colchester CO3 3EN.

Michaels Commercial is a trading style of Michaels Commercial Ltd FRN: 803907 who are Credit Brokers and are Appointed Representatives of White Rose Finance Group Ltd (FRN: 630772) Authorised and Regulated by the Financial Conduct Authority.