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Choosing a Broker for a Commercial Mortgage

How do you know which mortgage broker will find you the best commercial mortgage rates – and what should you look for from a commercial property financing expert?

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Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Almas Uddin2023-05-09
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Choosing a Broker for a Commercial Mortgage

Finding the right broker for commercial financing is essential. Your choice of lending products can impact your profitability, and determine whether you find the proper funding you need.

Businesses take out mortgages for multiple reasons, and to invest in a vast range of properties. Our goal is to ensure you have the absolute best products on the market, with the rates negotiated by experts in their respective fields.

This guide runs through what you should look for from your broker, how the process works, and provides information about the key factors in commercial mortgage lending.

For further advice, tailored recommendations and independent help, contact the Revolution Brokers team on 0330 304 3040 or via email at [email protected].

What is a Commercial Mortgage Broker?

A broker, sometimes called a commercial mortgage advisor, acts as an intermediary between lenders and applicants.

Our team works with mainstream providers, high street banks, and specialist lenders who are not available on the open market.

In the UK, the National Association of Commercial Finance Brokers (NACFB) regulates brokerage businesses, from individual experts providing commercial mortgage advice, through to large organisations.

All brokers work differently. Some charge a fee for their services, some a commission to the lender, and the level of independence can change significantly.

Revolution Brokers are an independent whole-of-market broker. That means we can deal with any lender, in any sector, and from any niche, recommending whatever product we think is best for our client, without any links or ties to any brand.

Why Revolution Brokers?

Whole of market brokers Whole of market brokers

Mortgage that suits you Mortgage that suits you

On time customer support On time customer support

Are Commercial Brokers and Normal Mortgage Brokers the Same?

You might come across residential brokers, who specialise in residential mortgages and don't have experience in the commercial sector.

A commercial broker understands the financial aspects and eligibility criteria of lenders who deal with businesses, bridging loans, unsecured business loans and commercial mortgages of every type.

As an experienced broker, the Revolution Brokers team offers consultants with specialities ranging from commercial borrowing to bad credit finance - give us a call on 0330 304 3040, and we will arrange a private chat with the relevant professional.

How Important is it to Choose a Great Business Mortgage Broker?

Commercial lending is a bespoke business, with each mortgage negotiated individually based on the circumstances of the application.

Therefore, the right broker is vital since they will be responsible for negotiating the terms and rates, recommending the best lenders to apply to, and structuring your application to ensure it meets all the fundamental criteria.

You should always look for:

  • Independence - rather than a broker who is linked to one or two brands and only recommends products from those lenders.
  • Transparency - upfront costs, quotes, advice and recommendations.
  • Explanations - why one form of financing is preferable for you than another.
  • Accredited brokers with the appropriate NACFB registration.

How Do Commercial Mortgage Brokers Work?

As a broker, we earn our income by providing advice and recommending lending products that fit with your business aspirations.

For clients, the benefits include:

  • A faster, more straightforward process without the legwork.
  • Cost savings by having access to the best products.
  • Negotiating power with an expert conducting the negotiations.
  • Greater approval rate, with professional lender recommendations.
  • Access to challenger bank products and niche lenders not on the open market.

The key things to look out for are a broker who wants to understand the detail of your circumstances, lending goals, and business situation before recommending products or lending that might not be suited to you.

Are there Different Kinds of UK Commercial Mortgage Brokers?

Indeed there are, and the Revolution Brokers team is proud to be home to a vast team of specialists covering most sectors and funding requirements:

  • 100% Loan to Value lending professionals
  • Bad credit business lending experts
  • Commercial brokers in the buy to let sector
  • Consultants with industry-specific experience
  • Mortgage brokers specialising in start-ups and new businesses

How Much Does a Commercial Mortgage Broker Cost?

The costs very much depend on what sort of lending you decide to apply for, and to what value. In some cases, the broker's fee (usually around 1%) is chargeable, but in others, the lender pays this.

Our team is always upfront about fees and charging structures, so we will ensure that you understand and are satisfied with any costs before any work begins.

Bespoke Support from the UK Commercial Mortgage Specialists

We do not doubt that the best way to find adequate, bespoke financing negotiated to offer the most competitive rates and terms is through an experienced broker.

Contact the mortgage brokers team today to get your business finance application started - we are available on 0330 304 3040 or at [email protected].

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

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As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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