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Mortgages for Post Offices

Even with the recent restructuring, post offices still play a huge part at the heart of local and business communities.

A town-based post office franchise can be a sound investment, while in more rural areas a post office incorporated into a village shop can be a very good proposition indeed.

If you’re buying a post office, Commercial Mortgages Fast is ready to help. Financing your purchase with a commercial property mortgage makes good sense, and avoids using up capital which you might need to use in the business itself. Commercial Mortgages Fast will match you with the commercial mortgage product best suited to your needs.

Do you already own a Post Office?

We can also help if you run a post office whose premises you already own, or if you own post office premises let to a tenant.

A commercial property remortgage arranged through Commercial Mortgages Fast can unlock the capital in your property with a lower rate commercial property remortgage, enabling you to refurbish the post office, or perhaps convert the upper parts of the premises to be let out as a flat. Commercial Mortgages Fast work with lenders who believe that how you use your funds is your business and not theirs leaving you free to use the money you raise  for personal use outside of the business.

Buying a Post Office to let.

If you’re buying a post office as an investment, and planning to rent it out to a tenant to run, Commercial Mortgages Fast can arrange a specific ‘investment related’ commercial property mortgage suitable for buying a post office.

Who to talk to about mortgages or remortgages for Post Offices.

Commercial Mortgages Fast is ready to help if you are thinking about buying a post office, or raising money against a post office you own already.

You may feel you should talk to your bank first, but 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 your need.

At Commercial Mortgages Fast, our specialist banking partners provide a range of commercial property mortgages suitable for buying or remortgaging a post office. We match you with the one that’s best for you. We can help you raise up to 80% of the value of your post office, and possibly more if you’re able to put up additional security.

At Commercial Mortgages Fast we can help you in any circumstances. We’ll build the perfect solution for your offices, and you, on your terms.

Why choose Commercial Mortgages Fast to help you buy or refinance a post office?

  • Your Commercial Mortgages Fast commercial property mortgage will match your exact requirements.
  • You can secure as much as 80% of the value of your post office premises on a Commercial Mortgages Fast commercial mortgage or commercial remortgage.
  • We have suitable commercial mortgages for you, whether you want to run your own post office or simply let it to a tenant on an investment basis.
  • Commercial Mortgages Fast offers a truly independent approach and always ensures you receive the best product and deal for 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.