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Commercial Mortgages

When your client needs a truly specialist solution to a business opportunity, we can help. Whole of market access across regulated and unregulated lenders and delivered with complete transparency.

All commercial mortgages covered:

1

Broker Driven

We are built by brokers for brokers. Most commercial brokers focus on direct to client cases which distorts their view on advisers like you. We understand the value of your client relationship.

2

Broker Choice

Whether you choose to advise or refer, we have all your options covered with no loss of income for you and no loss of control. We even offer direct to lender services where available.

3

Low Fees, High Income

Our fees are low and we pay competitive commissions. We also don’t insist on high fees on those big deals, we will be led by you, after all, it is your client.

1

Regulated Approach, Best Outcome Always

We take our FCA values and apply them to this unregulated sector. Your clients will always be well looked after and we will obtain the most suitable product we can.

2

Full Transparency

Before your client commits, they receive full disclosure documentation on us, the product, the costs, net sums, terms and conditions - all in as much detail as possible. Few can compare.

3

More than Commercial

Occasionally alternatives to commercial mortgages may be used in conjunction with the commercial mortgage. Our unique business enables us to help you with this where many competitors cannot.

Advise or Not Advise?

As a broker you can choose - we have both options covered.

How does it work?

Commercial Packaging

We provide support to you whilst you advise your client. These cases can be time consuming and long running so support can be vital. You will still earn high commissions too.

Introduce / Refer

If you cannot or do not wish to advise, we can deal directly with your client. Importantly, there is a no cross-sell agreement and you still receive the same brilliant commissions.

Direct to Lender

Where available, we can also support you whilst you submit directly to the lender. Retain total control whilst benefiting from our support and expertise. Commissions vary by lender.

Indicative Terms (Equivalent of Sourcing or Placement)

Give us the details and your preferred channel and we will get you indicative terms, quickly. The more info you give us, the more we can help. We then ask for more information leading on to…

Transparent Terms (Equivalent of a DIP/AIP)

We issue full disclosure terms including all relevant fees, pricing and terms. Only on acceptance of these do we require a small commitment fee (see below). Far more transparent than market standards.

Application

The application is submitted, typically as per standard mortgage practice. On occasions, this is handled directly by the commercial lender meaning the client has a face to face with the lender.

Lender Terms (Equivalent of an Offer)

Terminology may differ but the principles are the same, the lender will generate formal terms. Note that as this is an unregulated sector, these may differ from (2) and (3) above depending on (4).

Completion

Broker fees will be payable, usually by a solicitor which requires a disbursement form to have been completed previously. We pay you the same day we receive all funds due. You get a happy client too!

Panel Structure

Primary Panel

We have primary panels in each core area giving access to the best products, LTVs and rate sets and ensuring we benefit from enhanced service standards and strong relationships.

Extended Panel

Where more bespoke solutions are needed, we access our extended panel enabling us to get deals done where others can not.

See Our Panel

Fees & Commissions

Our fees and commissions are incredibly competitive. We earn enhanced proc fees and pass some enhancements to you. This is another example of Brilliant Transparency.

TYPE	SUM	NOTE
Commitment Fee	£295	Payable on the acceptance of terms.
Packager Fee	1% Min £995	Payable on completion.
Typical Proc Fee	1% to 2%	Payable on completion.
Unregulated Commission	50% of Packager & Proc	Payable on receipt of all income.

Contact our commercial team for more information

Contact us on 01792 277555 and speak to our team.
Or simply complete the form below and we'll contact you with more information.