Horizon Commercial Finance Ltd - Horizon Home & Products

At Horizon Commercial we specialise in helping people and businesses by arranging fast and effective solutions to meet their individual financial requirements, including:

At Horizon Commercial we know that not all clients have a perfect credit history or a provable income such as trading accounts, this applies especially to new start up situations. But whatever your situation it won't stop us trying to help you. Many of our clients have come to us with seemingly difficult problems - and left with the lending solution they needed!

Comprehensive Business Finance Solutions

Commercial Rates from 1% over Base

Residential mortgages now available upto 125% of the value of the property, we now have a number of lenders willing to offer these fantastic mortgage solutions for new purchases or for remortgages. The above over finance can be used for any purpose whatsoever, including paying off existing finance, home improvements, holidays... Please contact us for further information.

If you feel your specific needs are not covered in any of the above please do contact us with your requirements as we have affiliations with many niche market lenders and are confident that we can offer a solution tailored to suit any scenario.

Full written quotation available upon request

The actual rate is dependent on status, lending criteria and property type

Commercial Mortgages.

Forget what the High Street lenders may tell you, Fast Commercial funding for all commercial mortgages is readily available through specialist commercial mortgage brokers such as Horizon Commercial who deal with commercial mortgages.

There are now several new products on the market providing very swift access to commercial mortgages and commercial finance.

These niche market products designed for the commercial mortgage client can feature the following:

Self- certification – no accounts required for a commercial mortgage - NO FEES.
Loans of up to 85% with no additional security are available for a commercial mortgage.
100% commercial mortgages are available with additional security.
Up to 30 years repayment periods available on selected commercial mortgages.
Interest only options available on commercial mortgages.
Many commercial mortgage schemes will accept Adverse Credit.
Bankrupts can also be considered for commercial mortgage.

….. and best of all for most commercial mortgages there are no daunting bank interviews!

Commercial Property Types.

Rates of from 1.25% above base rate are available for commercial mortgages.

Commercial mortgages are available for Shops.
Commercial mortgages are available for Factories.
Commercial mortgages are available for Shops with accommodation.
Commercial mortgages are available for Offices.
Commercial mortgages are available for Pubs and Clubs.
Commercial mortgages are available for Guest Houses.
Commercial mortgages are available for Bed and Breakfasts.
Commercial mortgages are available for Restaurants.
Commercial mortgages are available for Farms.
Commercial mortgages are available for Land and Building Projects.
Commercial mortgages are available for Hotels.
Commercial mortgages are available for Nursing Homes.
Commercial mortgages are available for wine barrs.
Commercial mortgages are available for take aways.
A Commercial mortgage finance is also available as a self certified commercial mortgage, for purchase, re-mortgage, Buy-to-Let or for fundraising to start a business.

Self Certified Commercial Mortgages.

A self certified commercial mortgage is now an easy and convenient way to gain access to commercial mortgage funding. Applications for a commercial mortgage can be made to Horizon Commercial through our Apply Online page.

Supplying Solutions.

Many of our commercial clients seeking a self certified commercial mortgage have come to us with seemingly impossible problems – and left with the commercial mortgage finance solution they needed!

Fast Service.

Our commercial mortgage broker section provides a fast and efficient service for large and small businesses to solve their individual finance requirements whether it’s a large commercial finance requirement or a commercial mortgage. Whatever the requirements we will be on hand to act quickly to provide the best UK commercial mortgage solution.

Bad Credit Commercial Mortgage.

Bad credit or the need to self certify is not necessarily a barrier to obtaining a commercial mortgage or a self cert commercial mortgage. Experience has taught us that business clients are more vulnerable than ever to the effects of erratic cash flow therefore the services of a commercial mortgage broker, Horizon Commercial will prove both efficient and cost effective to business people looking for a commercial mortgage.

Wide Choice.

Commercial mortgage broker Horizon Commercial can give access to a wide range of commercial mortgage lenders, some that provide broker only niche market commercial mortgage finance and also accept applications for self cert commercial mortgages. Horizon Commercial have access to a range of commercial mortgage lenders providing such commercial mortgage products and also buy to let mortgage products.

Some of the commercial mortgage lenders and buy to let lenders include:

Kensington Mortgage Co,
Gemac Mortgage,
Rooftop,
Money Partners,
Preferred,
SPML,
Mortgages Plc,
Norwich and Peterborough,
London Mortgage Corporation,
Trafalgar,
TMB,
The Mortgage Business,
The Chelsea,
Lancashire Mortgage Corporation,
London Scottish Finance,
Star Finance,
Mortgage Express,
Paragon,
Victory,
First National,
GE Money,
And many others.

How To Apply.

Clients who need a to arrange a commercial mortgage urgently can apply online, email or call us to speak with an adviser who will have the necessary expertise in the subject of commercial mortgages and will be able to arrange finance with a commercial mortgage lender.

What is a small commercial mortgage?

The term small commercial mortgage is very subjective and can mean different things to different people. A small commercial mortgage is on average a loan taken out for any thing ranging between £10,000 and £500,000 depending on the clients needs.

A commercial mortgage operates in the same basic way as any other mortgage and quite simply a mortgage is a loan secured the property by a commercial mortgage lender. Many clients will have heard of the expression “the security of bricks and mortar”, commercial mortgage lenders like all other lenders will use this security of bricks and mortar – the property value, to lend money against.

The commercial mortgage is secured against the property and the value of the property is used as a benchmark by the lender in order to gauge the percentage or the amount of commercial mortgage that they are willing to grant.

There are two main types of mortgage:

RESIDENTIAL MORTGAGE. A loan secured against a house, bungalow, maisonette, apartment or flat.

COMMERCIAL MORTGAGE. A loan secured against a business premises, a shop, an office or factory etc.

Commercial mortgages are only available on the latter type of property and as commercial mortgage brokers, Horizon Commercial will be able to assist clients who are looking for either a self cert commercial mortgage or a commercial mortgage or even a commercial mortgage for clients with a bad credit history.

Availability.

There will generally be a commercial mortgage available for most types of commercial property, if your type of commercial property is missing from the any of the lists please do not despair, if the property that you require a commercial mortgage on is a commercial property the chances are that we can arrange a commercial mortgage for you.

Applications for the best commercial mortgage to suite your needs are of course subject to formal application. The exact terms and conditions of the mortgage will be subject to personal circumstances of the applicant, all of which will be sent to you with your offer/application forms.

More Choice For Commercial mortgages.

Over the past decade there has been a move away from the majority of commercial mortgage transactions being funded by the main High Street Banks. With the main Building Societies along with other institutions entering the commercial mortgage market this has led to greater competition, and the commercial mortgage buyer now has a much wider choice of products than ever before to best meet their needs for a commercial mortgage.

With such a choice of commercial mortgage lenders with differing lending criteria, preferred property sectors, loan to value issues etc, it is not easy for the commercial mortgage buyer to ensure that they get the best commercial mortgage product to meet their needs. The role of the specialist commercial mortgage broker has therefore evolved into an essential part the process of obtaining a commercial mortgage.

The Broker Market.

As a consequence of this, the role of a Specialist commercial mortgage broker has evolved. Furthermore the majority of brokers tend to be from a banking/lending commercial finance background, which means that they have a detailed knowledge of the issues involved in providing commercial mortgage funding.

We offer loans against most kinds of property assets where there is the security of bricks and mortar to be offered to a commercial mortgage lender. Whether an individual investor or a large public limited company, we offer our borrowers:

Professional commercial mortgage lending facilities.
Matching individual borrower's needs for commercial mortgages.
A helpful and flexible approach to doing business.
Prompt and practical service for commercial mortgages.
Long term and successful relationships.
Facilities structured in a progressive manner.

So what are the advantages to the client of using a Commercial Mortgage Broker?

Presentation

Reputable commercial mortgage brokers will be experienced in presenting and packaging an application on behalf of their clients, in a format that will greatly enhance the chances of securing commercial mortgage finance.

Choice

Most commercial mortgage brokers have access to a comprehensive range of commercial mortgage lenders, which extends well beyond the high street banks into merchant banks, building societies, sub-prime lenders and development funders.

Preferential Rates

In most cases brokers are able to negotiate better rates for clients than what is available on the high street, which, in many cases, can more than offset the cost of using a broker. The fees charged by Horizon Commercial for the service of acting as commercial mortgage broker range from FREE FOR SELF CERTS and up to 3% of the loan depending on the difficulty the commercial mortgage application presents. These fees will always form part of the offer, and will be clear and up front.

Time

Time is the most valuable of all commodities for the business client seeking a commercial mortgage, development finance, bridging facility or a normal commercial mortgage. A reputable broker will be able to turn a proposal for a commercial mortgage round very quickly as they will be able to identify the most appropriate commercial mortgage lenders for each proposal.

Lenders

The commercial mortgage lenders also tend to respond much quicker to a broker application as they recognise that the commercial mortgage broker operates on short turnaround time and are motivated to achieve completions. The risk of upsetting a broker and losing steady flow of commercial mortgage business has not gone unnoticed by most commercial mortgage lenders.

Range of services

To enhance our commercial mortgage service we assist a number of accountancy practices and independent financial advisers, offering a broad range of services to their clients. From commercial mortgages, factoring, equipment leasing, to financing a management buy out or funding a new start up. These professional firms are forward thinking enough to recognise the value in working with a commercial mortgage brokerage in order to obtain commercial mortgage finance for their clients. In turn the volume business created from these contacts allows us to provide better all round commercial mortgage facilities for our clients.

Commercial Mortgage Finance

At Horizon Commercial we are able to source a wide range of innovative and competitive commercial mortgage finance packages, secured against the following different types of commercial property.

Hotels, pubs and restaurants.
Factories and offices
Warehousing and storage
Investment property
Care homes
Retail premises
Guest houses and B&B’s

Commercial mortgage finance can be arranged for any specific purpose, such as:

Business purchase
Re-finance / re-banking
Re-mortgage
Bridging loans
Buy to let

Our experienced commercial mortgage consultants all have backgrounds in the banking sector and can offer added experience and advice to clients in respect of structuring a deal. With access to over 40 commercial lenders including:

Banks
Building societies
Merchant banks
Development funders
Bridging companies
Asset finance companies

All cases are supported by professionally prepared credit applications, thereby significantly enhancing the chances of you securing the best commercial mortgage financial package. For more information contact us.

Our aim is to confirm a decision in principle within 1 hour of the application being received.

Non Status Commercial Mortgages
No Audited accounts?
No Business plan?
Need Capital fast?
Purchasing?
Consolidating existing debts?
Expanding?
No Problem! We have access to hassle free commercial mortgage at attractive rates!

Regardless of the business you are in or your previous credit status we will be happy to discuss how we can help you find the right commercial mortgage for your business.

Most of the UK building societies and high street banks lend to “quality - low risk” businesses, usually where the business has built up a credible trading history, is currently trading profitably and the ability to repay the mortgage is clearly evident.

We have flexible Commercial Mortgages for owner-occupied businesses that offer bespoke funding solutions to satisfy all your commercial mortgage financing needs. These may range from purchasing or extending premises to releasing the equity locked in property for other business uses.

So whether it is a Commercial Investment in the commercial rented sector, the Purchase of an established business or Development Finance we can help.

If you are a Self-employed Small enterprise owner/manager, work and live from the same premises or lacking accounts.

We can help with all of the above situations in an application for a commercial mortgage.

Non status commercial mortgage lenders

Unlike traditional banks that tend to concentrate on historic performance, these commercial mortgage lenders prefer to look forwards rather than backwards, which means that mortgages can be obtained for businesses with:

County court judgements
Mortgage arrears
No accounts
Poor credit rating
Historically loss making

There are no hard and fast rules, each application is judged on its own merits. These non-status commercial mortgage lenders are ideal for businesses (sole traders, partnerships or limited companies), which are looking for:

Debt consolidation
Business turnaround / phoenix
New business start ups
Business refinance
Where the incumbent bank want their money back!

The benefits of a non status commercial mortgage are:

No need for audited accounts, simply declare your own income
Simple commercial mortgage application form
Borrowing can be for any purpose
Up to 85% loan to value available (100% with additional security)
No interviews or visits from bank managers
No business plans or projections required in most cases.

Development Finance

At Horizon Commercial we regularly arrange Non Status Commercial property development finance for clients looking to develop property.

Non Status Commercial Property Development - This can be for:

Property developers,
Private Builders,
Self build projects.

Our panel of commercial mortgage lenders has excellent reputations for their expertise, speed, flexibility and reliability. In most cases a higher level of loan to value can be obtained from such specialist commercial mortgage lenders than can be obtained from traditional high street banks.

Non Status Commercial Mortgage and Property Development Finance is available for:

Commercial Development (Pre let or pre sold)
Residential development (New build, conversions, extensions)
Property Trading (Acquisition, refurbish and onward sale)
Planning Gain Finance
Investment Portfolios

Bridging Loans

Short-term bridging loans can be quickly arranged on a completely 'non-status' basis, i.e. no accounts required, no income proof required, any amount of CCJs/Defaults.

Auction Properties
Development Sites
Buy to Let Properties
Retail Shops
DSS Let Properties

Our lenders can advance 100% of your borrowing requirements. Because they lend on the VALUE of the property not the purchase price. So, if you have secured a bargain you can get up to 100% with absolutely no cash input from you

Secured Loans

A simple method of generating cash against your property value.

Benefits of Secured Loans:

Releases equity in property
A simple, flexible method of generating extra cash
Unlike a re-mortgage, no survey, valuation, mortgage indemnity, or solicitors fees to pay
Easier to arrange than a re-mortgage
Cash can be used for any purpose - for example, buying a car, going on holiday, home improvements or debt consolidation
With one single payment to make each month, customers have more control over their monthly budget
Repayment period can be anything up to 30 years
Protected payment plans can provide extra peace of mind

Critical Factors

There are factors in the current market climate, which make secured personal loans a particularly a viable proposition.

House prices are continuing to rise
Wide-spread negative equity has thankfully been eliminated.
Releasing equity from property can generate the cash YOU need very quickly

Asset Finance

Paying cash for an asset can be a significant drain on your working capital. Leasing the asset, however, gives you access to the asset without paying for it all at once. All forms of leasing are basically rental agreements giving you (the lessee) the right to use an asset owned by the lessor (finance company) for a specific period of time in return for regular payments (rental payments). You can lease almost anything, from equipment valued at a few thousand pounds to assets worth millions. Leasing contracts are flexible and can be tailored to your needs.

We have specialist solutions for Print, IT / Computer, Asset Based Finance and Leasing. Our products include, Lease Purchase, Hire Purchase and other finance facilities.

If you are looking to raise cash for an MBO or MBI or for any other reason, we can refinance your existing assets. Refinance is typically done by Sale & Leaseback but we can also arrange other Asset Finance facilities such as Hire Purchase (HP).

We can also help if you have a Credit problem. As long as the asset offers good security, adverse credit is not a problem. We can also help your sales with Customer Finance. We can offer all our Asset Finance and Leasing facilities to your customers with our Vendor Leasing solution, HP, Hire Purchase, Asset Finance, Lease Purchase, Lease, Commercial Leasing, Refinance, Re-financing.

Sales Ledger Finance.

Horizon Commercial are specialists in arranging Factoring and Invoice Discounting facilities for UK businesses. Factoring provides cash to your business with no time delay from issuing invoices as well as sales ledger and collection services. This type of business is also a facility of commercial mortgage brokers.

With considerable experience in the Invoice Finance industry, and links with most of the sales ledger finance providers in the UK, we are able to find the right facilities for our clients.

We undertake the following on your behalf:

Preparation of proposal for presentation to lenders. (A site visit may be undertaken as appropriate)
Initial discussions with suitable lenders
Continual monitoring of your case throughout the process
A review of the terms offered by the lenders
Assistance / presence at meetings with lenders (if requested)
Client satisfaction reviews to ensure facility is operating in line with expectations. This indirectly benefits all our new clients seeking funding.

In most cases our fees are limited to the commission received from the funder

In certain circumstances, we may ask for a commitment fee in respect of Inter Factor transfers

If you are interested in discussing whether a factoring or invoice discounting facility would be of benefit to your company please submit your details and Horizon Commercial will be happy to advise you.

Why use Horizon Commercial?

We are independent commercial mortgage brokers
We take a proactive approach to commercial mortgages
Experienced in the Commercial Mortgage industry
We have access to the wide range of commercial mortgage lenders
We handle new start up commercial mortgage business.

Security.

The greater security you offer the better the deal you can get from a provider. They assess their risk and if they feel the risks are diminished by the security guarantees you provide they’ll lend more money at attractive rates of interest. Be careful however, what you use for security. If you offer the business as security you could lose it as well as the property you want to buy. One way to avoid this is to sell the property to another company who immediately leases them back to you.

Commercial Lenders - Free Directory

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