IFA Bedford, Bedfordshire ~ Financial Adviser Bedford, Bedfordshire ~ Financial Planning Bedford, Bedfordshire ~ Financial Advice Bedford, Bedfordshire ~ Pensions Advice Bedford, Bedfordshire ~ mortgage advisers Bedford, Bedfordshire

left webpage shadowright webpage shadow
Company logo
Financial Adviser

Commercial

Twigden Asset Management Ltd does not offer mortgage advice and all enquiries are referred to our appointed representative King Associates.


King Associates can be contacted on (01234) 270074 option 2
or via email at jmh@twigdenasset.co.uk

The FCA do not regulate commercial mortgages.

Commercial Mortgages

If you are seeking to finance the purchase of land and/or buildings for your business, a commercial mortgage will probably provide the most flexible and affordable financing solution. A commercial mortgage is a specialised commercial loan, and as such, the lender has a legal claim over the property until the loan has been fully repaid.

As with a residential mortgage, the commercial lender can hold the title deeds to the property as security. In the event of arrears the mortgage lender can repossess the commercial property.

A business owner who wants to fund his/her premises may use an 'owner occupied' Commercial Mortgage.

A Landlord can 'buy to let commercial' that is to say the landlord can purchase a commercial property solely for investment purposes and rely on the rental income to cover the mortgage and provide a profit.

Buying Commercial Premises - Advantages & Disadvantages

Buying commercial premises can be a good investment but before you commit, it is important to consider carefully the pros and cons. The acquisition of a property adds stability to your business and the property itself can become a significant asset, so let's look at the upsides and the downsides to buying:

ADVANTAGES:

  1. A fixed rate mortgage means you will have predictable monthly repayments
  2. The repayments are likely to be similar to a rental payment on the same property
  3. You are protected from any sudden rent increases
  4. Interest payments on the commercial mortgage are tax-deductible
  5. Possibility to sub-let any free space, reducing your monthly repayments (lenders permission may be required)
  6. Potential gain in value of the property

DISADVANTAGES:

  1. Substantial deposit will be required - would this money be better allocated to more important business purposes?
  2. Selling business premises can be difficult. What if you want to re-locate?
  3. If you have a variable rate mortgage, you are exposed to increases in interest rates.
  4. Ownership means you'll be responsible for ongoing costs such as security, maintenance, fixtures and fittings, insurance, repairs & renewals.
  5. Potential reduction in value of the property

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE COMMERCIAL MORTGAGES.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.



Mortgage Calc
investment TV button link
rss Financial times example feed

Company address:
Twigden Asset Management Ltd, King William House, 46 Harpur Street, Bedford, Bedfordshire, MK40 2QT
T: 01234 270074
F: 01234 327331

Email: debbie@twigdenasset.co.uk

Registration address as company address
Registration number: 4691087
Registered in: England & Wales

Twigden Asset Management Ltd is authorised and regulated by the Financial Conduct Authority.

Twigden Asset Management Ltd entered on the Financial Services Register (www.fca.org.uk/register) under reference 223678.

The information contained in this web site is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Please note that the information contained within this web site does not represent individual financial advice. If you require advice or further information this may be obtained by contacting Twigden Asset Management Ltd.

FCA does not regulate some forms of IHT planning.

Your home may be repossessed if you do not keep up repayments on your mortgage, think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of investments can fall as well as rise. Past performance is not a guide to future performance.

Telephone: 01234 270074 | debbie@twigdenasset.co.uk

Designed & developed by Web Pro IT © 2009

Life insurance quotes Bedford, Bedfordshire ~ best mortgage rates Bedford, Bedfordshire ~ Financial Advice Bedford, Bedfordshire ~ pensions advice Bedford, Bedfordshire ~ retirement planning Bedford, Bedfordshire ~ tax saving advice Bedford, Bedfordshire ~ investment advisers Bedford, Bedfordshire