Business Mortgages
Business Refinancing
Refinancing your commercial borrowing at the right time can reduce costs, release capital, and give your business greater financial flexibility. We help you identify when and how to make the switch.
Reasons to Refinance
Why refinance?
Reduce Monthly Costs
If your current commercial mortgage was arranged when rates were higher, or your circumstances have improved, refinancing can significantly reduce your monthly obligations.
Release Equity
Rising property values may mean there is capital locked in your commercial assets. Refinancing allows you to release that equity and redeploy it into your business or further investment.
Improve Cash Flow
Restructuring the term of your borrowing, moving to interest-only, or consolidating multiple facilities into one can materially improve monthly cash flow across the business.
Consolidate Lending
Managing multiple loans across several lenders is administratively complex. Consolidating into a single facility can simplify reporting and often reduce the overall cost of borrowing.
How It Works
The process
01
Review Your Current Lending
We begin by examining your existing mortgage or loan facilities — rates, remaining terms, redemption penalties, and overall structure — to establish a clear picture of your starting position.
02
We Compare the Market
Using our access to a wide range of commercial and specialist lenders, we identify the most competitive options available given your property type, loan size, and financial profile.
03
Smooth Transition
We manage the refinance process from application through to completion, coordinating with solicitors and lenders to ensure a seamless switch with minimal disruption to your business.
Get Started
Ready to get started?
Speak to one of our advisers — no obligation, no jargon.