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Rayan Financial Services Ltd is an Appointed Representative of Personal Touch Financial Services Limited, which is authorised and regulated by the Financial Services Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

THERE WILL BE A FEE FOR MORTGAGE ADVICE OF £500

Rayan Financial Services Ltd is entered on the Financial Services Authority register under FSA reference: 498670 - www.fsa.gov.uk

Registered Office: 648 Hanworth Road, Hounslow, Middlesex, TW4 5NP Registered in England and Wales Companies House number 05052169

Some of the services/ products shown are not or may not be regulated by the Financial Services Authority

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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Rayan Financial Services Ltd 

t. 0203 370 5772

COMMERCIAL MORTGAGES

Commercial finance options

A Commercial Mortgage is a loan secured against a Commercial Property. We are able to arrange funding for the purchase, development, or refinance of all kinds of commercial property.

How much can you borrow?

In general terms most lenders will offer finance up to 80% of the property value.

Rates

Different lenders have different products but in general rates are normally linked to the Bank of England Base Rate or LIBOR (London Interbank Offered Rate).

The rate applicable is closely aligned to the loan to value (LTV) of the property you are financing.

Credit History

We have products available for people with all types of credit history, including those with CCJs, mortgage arrears, and IVA and bankruptcy (providing you have been discharged).

We can also offer a self-certification of income facility if you do not have up to date accounts and business plans.

Repayment Types

Our minimum repayment term is 10 years with our maximum being 30 years.

We can arrange your new mortgage on a Capital and Interest basis or we can offer an Interest Only repayment for 3 years followed by Capital and Interest repayments for the remainder of the term (subject to conditions).

The Financial Services Authority does not regulate most commercial mortgages.