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Mortgages for Fish & Chip Shops

Fish and chips remain one of our most popular takeaways. With the majority of people buying a fish and chip shop now offering other menu items alongside the traditional fish and chips, their popularity seems safe, and Commercial Mortgages Fast can help existing and prospective owners to raise the finance they need quickly and with a minimum of hassle.

Whichever situation you find yourself in, buying a fish and chip shop is an exciting business and investment proposition and Commercial Mortgages Fast will help you by exploring the many available commercial mortgages for restaurants to find the one that’s right for you.

Buying a Fish & Chip Shop?

Commercial Mortgages Fast will match you with one of the many excellent commercial property mortgages for restaurants available. This is almost always the best way of buying a fish and chip shop, and avoids using up capital you might want to have available for modernising the premises or creating a lucrative new seating area, for example.

You may decide to use part of the commercial mortgage funds to convert the residential space above the shop into a restaurant, or to upgrade its accommodation for your own use, or to create a flat which you can let to add to your income. At Commercial Mortgages Fast our lending partners take the view that it’s your business, and not ours, how you use your funds.

What if you already own a Fish & Chip Shop?

Commercial Mortgages Fast can help you unlock the capital in your property, if you already own a fish and chip shop, using a lower rate commercial property remortgage. This could allow you to refurbish a residential apartment above the shop, or perhaps create two self-contained flats to bring in extra income. Or you might simply want to release money for personal use outside of the business.

Who to talk to about mortgages or remortgages for Fish & Chip Shops.

Commercial Mortgages Fast is waiting to help you if you are thinking about buying a fish and chip shop, or raising money against a fish and chip shop you already own. You might feel you should talk to your bank first. Be aware that your bank is in the business of selling its own financial products and its business lending manager isn’t free to lead you to the best commercial property mortgage for you. At Commercial Mortgages Fast, our specialist banking partners provide a broad range of commercial mortgages for restaurants, and we match you with the one that’s best for your needs.

Commercial Mortgages Fast can help you raise up to 80% of your fish and chip shop’s value, and possibly more if you’re prepared to put up additional security (such as your home). We can help you in any circumstances. We’ll build the perfect solution for your fish and chip shop, and you, on terms to suit you.

Why choose Commercial Mortgages Fast to help you buy or refinance your fish and chip shop?

  • A commercial mortgage arranged through Commercial Mortgages Fast will match your exact requirements.
  • You can secure as much as 80% of the value of a fish and chip shop on a Commercial Mortgages Fast commercial mortgage or commercial remortgage.
  • We have suitable commercial mortgages for you, whether you want to run the fish and chip shop as your own business, or lease it out on an investment basis.
  • Commercial Mortgages Fast offers a truly independent approach and always ensures you receive the best product on terms that match your circumstances.

How much do we charge for our services?

Following receipt of your completed Commercial Mortgage or Remortgage form, we will undertake a proper review of your application. We will document and log all of the key facts relevant to it and the financing options that are available to you and your business. This will help to ensure that any recommendation which we make to you will be the most appropriate for you and your business after taking full account of your circumstances.

Once we have made our recommendations to you we will confirm our advice in writing.

Standard commercial mortgage application

This applies to any application where satisfactory accounts are provided and where there are no adverse credit issues. Our Professional Services Application Fee for a Standard application is currently £499 for each mortgage contract.

This fee which will be payable by Credit or Debit card at the time of application will cover the costs of any case work involved in preparing, submitting and managing your application/s. In addition to any Professional Services Application Fee, on completion we will receive a fee from the lender.

You will not have to pay any other fees.

Adverse credit commercial mortgage application

For any application where there are no accounts, or there is an impaired credit history, for example, CCJs, missed loan repayments or defaults, our workload will increase substantially. Accordingly, our Professional Services Application Fee will be £699 for each mortgage contract.

This fee which will be payable by Credit or Debit card at the time of application will cover the costs of any case work involved in preparing, submitting and managing your application/s. In addition to any Professional Services Application Fee, on completion we will receive a fee from the lender.

We will also charge Professional Services Fee of 1% on completion.

Refund of fees

If we are unable to secure an offer from any lender in respect of your application, you will receive a full refund of any Professional Services Application Fee which you have paid to us. If the application does not proceed for any other reason you will not receive a refund.

Valuation/Survey fees

A valuation / survey fee will be required as part of the application process and we will advise you of the exact amount at the time of application.  All valuation / survey fees are payable at the time of application by Credit or Debit card and are completely non-refundable.