Commercial Mortgage
- Why Use Us

What you would have to do without the commercial mortgage broker support

Find the right commercial mortgage

» Research all the different mortgages and loan schemes available and hope you find the best one to meet your circumstances when applying for a loan for your business.

» Research all the different types of rates to find the one most appropriate to your situation.

» Go to high street outlets for information on a commercial mortgages and sort out which has the cheapest rate for a loan that suits you.

» Attend time consuming commercial mortgages advice interviews to check you qualify for your chosen lender's scheme.

» Check nothing has changed since you decided on a particular lender Wait for the adviser to assess your situation and get provisional approval of your required mortgage loan.

Once the commercial mortgage advice has been accepted you then have to:

» Sort out a reliable surveyor to check that your project is sound.

» Find a solicitor who is experienced in the legal aspects of your project.

» Check that all the paperwork is correct and suitable to your requirements.

» Resolve any queries and problems arising from the advice of your professional team.

» Ensure that you have anticipated all the upfront costs correctly and are aware of deposit requirements etc so that your house purchase can proceed.

» Then you need to sort out the physical requirements of moving home.

Here's how Click n go can help you with a Commercial Mortgage Advice:

How we go about finding a commercial mortgage

Firstly using good independent commercial mortgages broker advice is not usually free or cheap. It is true that we charge a fee for our support but you can see below the advice we give and the support you get throughout the process justifies the cost.

The first way we can help you is to look at the whole commercial mortgages market, not just the high street, for the most suitable lender using sophisticated software that is updated daily to give you the most accurate advice and cheapest deals available in the market. We will use our professional knowledge to present you with the schemes that you will find most suitable. Remember not all loan schemes are available to the public direct and that cheap is not always best. Some commercial mortgage schemes are available only through mortgage brokers and not to the public directly. It is because we trade as an independent broker that we can provide you with such a wide range of commercial mortgages products. Sometimes it is cheaper and more cost effective to use a domestic remortgage to achieve the required result.

We will advise you on the cheapest among the type of rates available (fixed, variable, capped, collared or tracker) and how they can benefit you. We will maintain long term contact with you to ensure that your changing needs are met once any fixed rate period has expired and support you through any changes that need to be made.

How quick is the commercial mortgage advice process?

The second most important help we can give you is to ensure that you are supplied with quick, accurate and up to date commercial mortgage loan advice. You will need only one detailed discussion with us to establish your situation once you have completed our short online application. This advice can be given over the telephone with written confirmation issued by us within 24 hours. We can source the right scheme for you from literally hundreds available in the whole market and not just the high street.

Once the initial discussion is completed we will obtain an offer in principle which will indicate how much the lender is prepared to lend to you provided the information obtained in our initial discussion is supported by satisfactory paperwork. A significant part of our commercial mortgage advice is to ensure that you can afford the cost of the project and are aware of the costs of setting up the finance. Many remortgage schemes have a free fees offer which will help you to achieve as cheap a remortgage as possible where one can be used. Again we would point out that cheap is not always best and that it is the whole mortgage scheme that has to be considered not just the fees.

Supporting your commercial mortgage application

As your commercial mortgage broker we will monitor and ensure that the correct documentation is supplied to the lender to support the information supplied at the time of our advice and the application in principle.

As we mentioned above our systems are updated daily to ensure that the mortgage advice we provide is bang up to date. We will hear of any changes at the earliest opportunity and update you of its affect on your application to ensure you get a quick mortgage offer with the least fuss.

Helping you find professional advisors

We have regular contact with the surveyors and their reports. We can advise on the type of survey you should consider and help with any issues that may arise and the ways to go about obtaining further information that may be required regarding damp, dry rot or structural problems etc.

We have a panel of solicitors that we have come across in our routine business. They are both experienced in the legalities of the commercial mortgage lending and have demonstrated to us that they can provide a reliable service. It is of course up to you to select from this panel and it in no way restricts your right to choose one of your own. Our panel solicitors will provide an estimate of cost to help you make your decision.

Once the offer has been issued we will check to ensure that it reflects the loan you require and help sort any discrepancy or problems.

We will help resolve and explain any queries raised by the professional advisers working on you behalf.

As part of our initial discussion we explain the costs involved and the likely amounts needed to fund your purchase and explain when these amounts fall due. We also provide a budget calculator to check that the mortgage is affordable on a monthly basis.

In doing all of this we enable you to concentrate on the project in hand and the physical requirements of implementing any changes and maintaining you’re working life as normally as possible.

Our aim is to provide you with a complete service so that you will know how much you can borrow, find you a rate that is cheap and suitable to your needs. You will be able to find the best commercial mortgage solution you can get and implement it with the most competitive and effective loan available to you within the market. This will be provided in the minimum of time possible to ensure you win the race against your competitors.

Remember the quality of our service is the strength of our business.