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Mortgages for Pub and Bars

Owning a pub or bar is a long held dream for many people, but Commercial Mortgages Fast understands that the reality can be somewhat different to the dream. If you own your own pub, or if you’re thinking of buying a pub, Commercial Mortgages Fast can help you raise the funds you need.

If you’re planning on buying a pub, then a commercial property mortgage will let you do so without tying up capital that could be put to better use in the business itself.

You may have already experienced some reluctance by your bank to lend against a pub until you have detailed trading accounts or other business records to look at.

At Commercial Mortgages Fast we can help to avoid these unnecessary obstacles because we arrange mortgages for pubs against the value of the property alone.

What if you already own a Pub or Bar?

If you run a pub that you own, then a commercial property remortgage can unlock the capital in your property with a lower rate commercial property remortgage, making it possible for you to refurbish your pub, or invest in other aspects of the business. And because Commercial Mortgages Fast believes that how you use your funds is your business rather than ours, you might decide to use this as a way to free up money from the pub for your own, personal use.

Who to talk to about a mortgage or remortgage for a Pub or Bar.

If you are thinking about buying a pub, or raising money against a pub you own, Commercial Mortgages Fast is ready to help. Even if you’ve had previous credit or CCJ problems, we’d be delighted to work with you to find the commercial mortgage you need for your pub.

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 you.

At Commercial Mortgages Fast, our specialist banking partners offer a broad range of suitable mortgages for pubs, and we match you with the one that’s best for your needs.

Commercial Mortgages Fast can help you raise up to 80% of the property’s value, 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 pub, and you, on terms to suit you.

Why choose Commercial Mortgages Fast to help you buy or refinance your pub or bar?

  • Your Commercial Mortgages Fast commercial property mortgage will match your exact requirements.
  • You can secure as much as 80% of the pub’s property value on a Commercial Mortgages Fast commercial property mortgage or commercial remortgage.
  • We have extensive experience of working with pub owners to finance purchases and to unlock capital.
  • 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.