State Securities offers extensive expertise in providing commercial mortgages. If you’re an owner-occupier, investment company or UK pension fund trustee looking to purchase or refinance a commercial property,
we can help.
As a specialist lender, our extensive expertise and comprehensive product range means we can arrange commercial mortgages for many business circumstances including working capital, new start-ups, MBOs/MBIs, company take-overs and businesses with CCJs, poor accounts or other adverse credit - situations that most high street lenders would shy away from, often referred to as “sub-prime” proposals.
One of our particular strengths is our personal touch. Because we understand that each client’s needs are unique, every commercial mortgage application is treated individually. We also like to establish a sound understanding of your business and how it works, to assess its current position and establish its future aims, so that an individually tailored finance proposal can be designed to meet your business’ specific requirements now and in the future. Our highly experienced team is committed to providing you with superior service. We are only a phone call away and a representative can visit you at a time to suit you to discuss your requirements.
Alternatively, please click here to download a printable Mortgage Application Form and send the completed form to us.
Commercial mortgage product features
| Loan amount |
£100,000 to £2,000,000 |
| Term |
Up to 25 years |
| Repayment |
Interest only repayments of up to 5 years and balloon repayments are available |
| Loan amount |
Up to 70% market value, assuming a 6 month sale |
| Administration fee |
1.5% administration fee and legal costs can be added to the loan |
| Security |
First legal charge over property and debenture (if corporate borrower). Additional security may be required |
| Properties funded |
Primarily providing funding for light industrial premises, factories and warehouses |
Our preference is for 'packaged' deals where the Commercial Mortgage can be offered in conjunction with one of our other products (Asset Finance or Factoring); or where the nature of the borrowers business is such that there is a reasonable prospect of another product being required in due course. However, the potential for other products to be considered is not always obvious and consequently, we suggest that you call our Sales team iin the first instance to discuss your/your clients individual requirements.
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