PHA Mortgages provides a range of innovative and competitive commercial mortgage and business loan products, secured against different types of commercial property.

• Buy to Let/Rent

• Pubs - Hotels
• Warehouses
• Farms - Garages
• Flats above Shops
• Bridging Loans

• Secured Loans
• Land & Building Finance
• Vehicle, Machine & Equipment Finance (and Refinanced)

• Factoring
• Horse Boxes
• Yachts
• Boats
• Venture Capitalist Finance

A commercial mortgage/business loan is probably the best way to finance the purchase of buildings and land for business purposes. It provides the most flexible and affordable business finance solution. Commercial mortgages are specialised due to the fact that the lender has a legal claim over the property until the business loan has been repaid in full.

How much cash do I need to provide for a down payment?
Typically lenders often view commercial mortgages with larger down payments as more secure. Most lenders typically like to receive 20% to 30% of the purchase price as a down payment. Depending on your company's financial history, as little as 5% of the purchase price may be required for a down payment. (You will most likely have to pay a higher interest rate to compensate for the smaller down payment). Remember the larger your down payment is, the less you have to borrow.