Commercial Mortgages

Commercial finance products are more involved and time consuming than standard mortgages, with extensive document requirements from the outset. Thistle Finance understand the complexities of commercial finance so we undertake a full affordability assessment and viability exercise at the initial enquiry stage, then underwrite the application, prior to submission.

This ‘back to basics’ approach to packaging ensures that the application is presented to the lender along with a detailed synopsis. The merits of the case are clearly highlighted, painting the best possible picture for a successful lending decision.  The senior management at Thistle Finance have extensive experience in structuring commercial finance and have excellent business relationships with our lending partners. We know that all businesses are different, so we create a bespoke service process, in line with our introducer’s client requirements.

For trading businesses, commercial property investments and residential investment portfolios, Thistle Finance has the expertise, knowledge and connections to deliver faster, smarter finance. Call us on 0131 285 4778 to find out more.

Trading Businesses

Why rent your commercial premises when you could own them? It’s the same as renting a residential home: the money you spend on rent is dead money. Invest in your business, buy your premises and own the asset.

Commercial Property Investment

With excellent yields per annum, commercial property can offer a good return on investment for clients wishing to secure their financial future as a professional landlord. Thistle Finance have access to some of the best commercial finance suppliers in the UK.

 

Residential Investment Portfolio

Homeowners regularly look for the best facility available to save money. Whether this is a product transfer or a complete remortgage, it makes sense to move with the market. It’s exactly the same for professional landlords. Restructuring the gearing on a property portfolio could save significant cash and see huge growth prospects.

Commercial Mortgage Overview

Thistle’s lender panel incorporates market leading rates, with loan amounts from £50k upwards and includes Capital and Interest and Interest Only products across a diverse variety of properties including Petrol Stations, Public Houses and Care Home facilities.

Thistle Finance has the ability to source both high street commercial finance products and restricted access challenger bank products assisting:

  • Individual, Ltd Company and LLP’s
  • Specialist Property Vehicles.
  • Sitting tenant purchase
  • Trading business mortgages
  • Investment property portfolio restructuring, maximising return on investment and facilitating growth
  • Part investment, part owner occupier
  • Unsecured business loans
  • SIPPS, trusts and charities