Commercial mortgage brokers

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There are two main types of commercial mortgage :

1. The Interest-only method: you pay the lender interest during the term, then pay the outstanding capital back at the end of the term. To do this you use an investment vehicle and the proceeds of this 'should' pay off your loan. However you may end up with a surplus, or a shortfall.

(The potential for instability with the interest only method of repayment is why the this method is the most common mortgage deal.)

2. Repayment method - basically guarantees that you will pay off the mortgage loan at the end of its term.

Now that we have established the main types of commercial mortgage, lets look at the Mortgage Interest Rate:

The capped mortgage - is a combination of fixed and variable mortgage. There is a maximum rate, over which you will not be charged for a certain period. If the Standard variable rate falls below the indicated cap, your payable rate follows it downwards.

The fixed rate mortgage - you pay a certain level of monthly payments for an agreed period. You can thus budget with increased confidence and are protected against a rise in base rates. The fixed rate period could be up to 25 years, or as low as 6 months [after which you revert to the standard variable rate].

Finally The variable rate mortgage - interest rates can go up or down. therefore the interest rate could stay constant and be the same for many months, or it may change a number of times over just a few months. Generally the standard variable rate will be the same as the Bank of England base rate.

"Clients should always ensure that they take appropriate authorised investment advice before entering any transaction"
we Ltd works closely with a number of leading lenders in the provision of commercial mortgage quotes. We will pass your commercial mortgage quotation request to a bank, lender or broker who will provide you with a detailed quotation. The information we collectand pass on will not be used in conjunction with any other purposes except for the provision of a commercial mortgage quote unless instructed to do so by yourselves.