Mortgage
Commercial Mortgage Solutions
Commercial finance plays a key role in business growth and long-term strategy. Whether you are acquiring commercial premises, expanding a property portfolio, developing land, or raising capital, choosing the right funding structure is essential.
Commercial lending plays a vital role in business growth, property investment, and long-term financial planning. Whether you are purchasing commercial premises, expanding a portfolio, developing property, or raising capital for your business, selecting the right funding structure is essential.
At Sayers Financial Services, we specialise in arranging intelligent, flexible commercial mortgage solutions for landlords, developers, and business owners. With access to specialist lenders and experience in complex income and investment structures, I provide clear, strategic guidance to help you secure funding that supports your objectives, timescales, and long-term plans.
What is a commercial mortgage?
A commercial mortgage is a loan secured against a property used for business or investment purposes. This includes shops, offices, warehouses, mixed-use buildings, care facilities, and serviced accommodation. It can be arranged for owner-occupiers or investors.
What is the difference between a commercial mortgage and buy-to-let?
Buy-to-let mortgages are typically for residential properties rented to tenants. Commercial mortgages cover fully commercial or mixed-use properties and are assessed using different criteria, such as rental yield, business performance, and property type.
Can I get a commercial mortgage through a limited company or SPV?
Yes. Many commercial and semi-commercial purchases are made through SPVs, property companies, or trading companies. We regularly arrange funding for limited company structures and match lenders accordingly.
How much deposit is required?
Deposits usually start from around 25 percent, depending on the property type, income strength, and lender appetite. Some specialist cases may require more, while strong applications may access higher loan-to-value options.
How is affordability assessed?
Lenders may assess affordability using rental income, business accounts, bank statements, trading performance, experience, and overall asset position. We work with specialist lenders who understand complex and multi-stream income.
Do I need a personal guarantee?
Sometimes. Personal guarantees are common for limited company borrowing, newer businesses, or higher-risk cases. Some secured business loans may be available without a personal guarantee, depending on the strength of the case.
First-Time Buyer
Remortgaging can be a useful way to review your current mortgage and consider whether alternative options may better suit your circumstances. Whether you’re looking to adjust your monthly payments, release funds, or review your current rate, I’ll help you understand the options available to you.
I’ll compare suitable products from across the market, take your individual goals into account, and guide you through the process so you can make an informed decision that aligns with your financial plans.
Home Mover
If you’re moving home, getting the right mortgage in place is key to making the transition smooth and stress-free. Home mover mortgages are designed to give you the flexibility you need when upgrading or relocating, and I’m here to help you find the option that fits your plans.
I’ll guide you through the market, compare the best deals.
Commercial Mortgage Solutions
Commercial lending plays a vital role in business growth, property investment, and long-term financial planning. Whether you are purchasing commercial premises, expanding a portfolio, developing property, or raising capital for your business, selecting the right funding structure is essential.
At Sayers Financial Services, we specialise in arranging intelligent, flexible commercial mortgage solutions for landlords, developers, and business owners.
Remortgage
Remortgaging can be one of the most effective ways to improve your current mortgage. Whether your fixed rate is ending, you want to reduce your monthly payments, release equity, or restructure your borrowing, the right advice can make a significant difference.
Second-Charge Mortgages
Second-charge lending is often used for home improvements, debt consolidation, business capital, or supporting family. Because it sits alongside your main mortgage, it lets you raise funds while keeping your current deal in place. However, it is important to fully understand the structure, costs, and long-term implications before proceeding.
Complex Credit Mortgages
A less-than-perfect credit history doesn’t have to stand in the way of securing a mortgage. Bad credit mortgages are designed for individuals with credit challenges, offering opportunities to buy a home or remortgage despite past issues. I’ll help you navigate the options available, find a suitable lender, and secure a mortgage that aligns with your financial situation.
Shareholder Protection
Shareholder Protection ensures that if a business owner dies or is diagnosed with a critical illness, their shares are dealt with smoothly and fairly — protecting both the business and the remaining shareholders.
Executive Income Protection
Executive Income Protection is a tax-efficient way for businesses to protect their directors and key executives if they are unable to work due to long-term illness or injury.
The policy is paid for by the company and provides a regular income if the executive cannot perform their role. Benefits are paid to the business, which then continues paying the executive’s salary, helping maintain financial stability during recovery,
Easily Navigate Your Mortgage & Cover
I specialise in providing clear, reliable mortgage and protection advice to make your financial journey easier. With expert guidance and recommendations tailored to you, I’ll help you secure the right mortgage, protect what matters most, and make confident long-term decisions.
Sayers Financial Services 625119, is an Appointed Representative of New Leaf Distribution Ltd 460421, which is authorised and regulated by the Financial Conduct Authority (FCA No. 460421). Registered address: Garfield House, 165-167 High St, Rayleigh SS6 7QA. Your home may be repossessed if you do not keep up with repayments on your mortgage. Buy-to-Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.
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