Commercial mortgages, sometimes referred to as business mortgages are mainly for business owners who are looking to buy property or land for commercial use.
At some points, many grown businesses usually look for a new workspace or look to expand beyond their existing business property. It can often be the right course of action for business owners who are looking to avoid increasing rents, or maintenance and management fees. Due to the sheer variation of land and premises, commercial mortgages tend not to be pre-set products in the same way that residential mortgages are, although they do stick to the pan-European Mortgage Credit Directive, which covers both residential and commercial mortgages.
Business loans are a type of borrowing designed for commercial organisations rather than individuals that you usually pay back on a monthly basis. With a business loan, you could borrow between £1,000 and £15 million and pay the loan back over one month to 25 years.
There are lots of different types of business loans but they all fall into one of two categories: secured and unsecured loans.
What is secured business loan?
These loans let your business borrow money using an asset as security.
What is a bridging loan?
A bridging loan is a short-term secured loan. It is used to ‘bridge the financial gap’ when buying a new property before selling a current one. For example, a bridging loan can be used to buy a property at auction before you have sold your current home. They can also be used to fund the purchase of a property for redevelopment or renovation for sale or rent, for short-term refinancing, for paying off a development lender and for business working capital or even for paying a tax bill or divorce settlements.
Development finance is a form of short-term lending that is used to fund the construction or renovation or real estate projects. This type of finance is designed to help developers, builders and investors bring new properties to market or renovate existing properties. Development finance is available for 6-24 months and is designed to assist with the land purchase costs and build costs associated with a residential or commercial development project. We specialise in ground up developments, conversions, and renovations for projects of all sizes, from single units to multi-phase developments.
How does development finance work?
A development loan, like a bridging loan, is a short-term financing option where the lender expects repayment once the project is completed and sold or refinanced.
Fill out our contact form below and one of our experienced mortgage advisors will get in touch with you to discuss your specific needs and help you find you the best mortgage.
Robi Finance Ltd
4 Pelham Court, Cambridge CB4 3TD, Tel no: 01223 560 472 – 07956827018, Email: [email protected]
The company is registered under Reg No:14639627 in England and Wales.
Robi Finance Ltd is registered with the Information Commissioner’s Office under registration reference: ZB477056 Copyright © 2021. All Rights Reserved.
Robi Finance Ltd is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the financial services register (https://register.fca.org.uk/s/) under reference 995310.
The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
Not all services we offer are covered by the Financial Conduct Authority.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The information, advice and/or guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
A fee will be payable for arranging your mortgage with Robi Finance Ltd. The amount of the fee will depend upon your circumstances. Your consultant will confirm the amount before you choose to proceed but we estimate it to be around 0.65% (min £499). The initial consultation is free.
Commission Disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive a commission from them after the completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commissions at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
How To Make a Complaint: It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to; Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.
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