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Commercial Mortgage 17+
Mortgage Calculator
專為 iPad 設計
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- 免費
截圖
簡介
To help you work out your budgets and cash flow, or to simply compare available commercial mortgage deals, to see what difference a commercial mortgage may make to your business, we have created this simple commercial mortgage calculator.
Our commercial mortgage calculator will provide figures for both interest only and repayment mortgages. It has been created to provide you with an approximate guide to the costs of a commercial mortgage.However, as independent brokers we find our customers the facilities that offer
them the best possible deal.
Please use our commercial mortgage calculator as often as you like to help you decide what commercial mortgage option would be the best for your business.
As independent commercial mortgage brokers we search the whole market to
find our clients the best possible deals for the finance that they require. There are literally hundreds of different commercial mortgage plans available, allowing us to:
Provide a wide range of options
Provide facilities for a wide range of scenarios Commercial mortgage rates start from just 7.25% pa - (2% over Bank of England Base Rate)
Commercial mortgage interest rates and fees will be based on a consideration
of the following factors:
1. How long the business has been trading-Business have been established longer will be considered less risk. Unless of course it is a business that the lender feels may have a limited future. For example a video library or cigarette vending machine manufacturer (ban on
smoking in public places).New businesses tend to be considered higher risk because when
compared to established businesses a higher proportion of new
businesses fail.
2. How Successful A business has been making profit-Lenders Will look at previous accounts and projections to see if the business is making a steady profit. They like to see growth and a steady profit each year.A business that has decreasing profits or is making a loss will obviously
be a cause for concern.
3. Debt level-Commercial mortgage lenders will look to see the level of debts that a business has.
4. Credit History Of The Business-They will look into the credit history of the business, and also the credit history of the company directors and business owners.
5. Personal Guarantees (PGs) if a personal guarantee is available may well affect the interest rate and terms of the loan. If the owners or directors are unwilling to offer a personal guarantee, even a limited one, this can be looked upon unfavourably by a lender.
6. Mortgage amount required ,size of the loan-Larger commercial mortgages command lower interest rates! The amount of money being borrowed can affect the interest rate on a commercial mortgage. The larger the loan then generally this may mean a lower interest rate. Small commercial mortgages will usually have a higher interest rate. This is because of the costs of running the mortgage account, a higher interest rate may be required on a small facility in order to cover the costs involved and for the lender to make a profit.
7. The Loan to Value-For purchases a deposit of between 25% and 40% will be required. If additional security is available then this can possibly
be used.
8. Who will be using the security property-The lenders will consider who will be using the commercial property. The property owner running a profitable business from the security property is usually most favourable.
The lenders also like investment properties where there is a long lease in place with a good tenant.
Download our app today to utilise the Commercial finance calculator and search for the best deals in the market.
Promotional OFFER - on our 1st - 1000 Enquiries since launching our mobile app we will be waiving all initial fee of £500 to 0!
Simply Quote ‘Commercial Finance Calculator - Promo’ on your enquiry.
新內容
版本 1.3
Bug fixes.
App 隱私權
開發者「Mortgage Calculator」指出 App 的隱私權實務可能包含下方描述的資料處理。如需更多資訊,請參閱開發者的隱私權政策。
用來追蹤你的資料
以下資料可能用於在其他公司的 App 和網站上追蹤你:
- 位置
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會與你連結的資料
系統可能會收集以下資料,並將其與你的身分連結:
- 位置
- 聯絡資訊
不會與你連結的資料
系統可能會收集以下資料,但不會將其與你的身分連結:
- 識別碼
隱私權實務可能因你使用的功能或你的年齡等因素而有所不同。進一步瞭解
資訊
- 供應商
- Property Finance Choices Ltd
- 大小
- 55.2 MB
- 類別
- 財經
- 相容性
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- iPhone
- 需要 iOS 11.0 或以上版本。
- iPad
- 需要 iPadOS 11.0 或以上版本。
- iPod touch
- 需要 iOS 11.0 或以上版本。
- Mac
- 需要 macOS 11.0(或以上版本)以及配備 Apple M1(或以上版本)晶片的 Mac。
- Apple Vision
- 需要 visionOS 1.0 或以上版本。
- 語言
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英文
- 年齡分級
- 17+
- Copyright
- © @ Property Finance Choices Ltd 2024
- 價格
- 免費