🏢 Commercial Mortgages in Brentwood 💼

From professional suites near Brentwood & Shenfield stations to industrial units around Childerditch, Hutton and Warley, we help local businesses and investors secure commercial mortgages with the right balance of rate, leverage and flexibility. 💰🏠

📊 What We Finance

• 🏠 Owner-occupied premises: Offices, medical, retail, hospitality, light industrial.
• 💼 Investment stock: Single-let and multi-let units with proven tenants and FRI terms.
• 🏬 Semi-commercial: Retail with residential uppers; purchase or refinance post-works.
• 🏢 Company structures: SPV or trading company, with debenture/PGs as required.

💡 Credit Approach

• 📈 DSCR: 1.25×–1.5× is a common guide; we’ll model affordability at realistic stress rates.
• 💰 LTV: Often up to ~75% for owner-occupiers and ~65–75% for investments (asset-dependent).
• 📅 Term & profile: 5–25 years; interest-only more common for investments with strong leases.
• 💳 Pricing & fees: Risk-based rates; arrangement fee typically 1–2% plus valuation/legal.

📍 Brentwood Specifics

We’re familiar with local leasing patterns around Elizabeth line hubs and established trading estates. We package comparables and lease evidence so valuers can support the number you need. ✅

📝 Information Checklist

• 📄 2–3 years’ accounts & latest managements (or projections for new ventures)
• 🏠 Lease terms & rent schedule (investment)
• 💳 ID, bank statements, A&L summary
• 📐 Property info: floor area, EPC, planning use

⚙️ How We Run the Application

1. 🧭 Feasibility & structure: SPV vs trading, deposit, timing.
2. 📝 Heads of Terms/AIP: Indicative pricing to underpin offers.
3. 🏗️ Valuation & UW: We coordinate survey and manage lender queries.
4. ✅ Offer & completion: Legal work finalised; drawdown on your timeline.

❓ Commercial Mortgage FAQs (Brentwood)

💬 Will I need to give a personal guarantee?

Often yes for company borrowing. The level depends on LTV, DSCR and deal strength.

💰 Can I refinance early to release equity?

Common where value has increased or leases have improved; ERCs and valuation will determine viability.

🏢 Do lenders fund vacant units?

More challenging, but possible with a pre-let, strong covenant lined up or additional security.

🏘️ How are mixed-use assets treated?

Lenders look at each income stream; LTV/pricing depends on the commercial-to-residential split and location.