{"id":12016,"date":"2020-04-03T13:05:32","date_gmt":"2020-04-03T13:05:32","guid":{"rendered":"https:\/\/kenyahomes.co.ke\/blog\/?p=12016"},"modified":"2020-04-03T13:32:22","modified_gmt":"2020-04-03T13:32:22","slug":"a-guide-to-commercial-mortgage","status":"publish","type":"post","link":"https:\/\/kenyahomes.co.ke\/blog\/a-guide-to-commercial-mortgage\/","title":{"rendered":"A Commercial Mortgage Guide For Investors"},"content":{"rendered":"\n<p>A commercial mortgage is any loan secured on property which is not your residence. Buy to let mortgages are a special type of high volume commercial mortgage which is packaged for a volume market.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"when-are-commercial-mortgages-used--0\"><strong>When are commercial mortgages used?<\/strong><\/h5>\n\n\n\n<p>Commercial mortgages\u00a0generally take over where\u00a0business\u00a0loans finish.\u00a0Business\u00a0loans\u00a0up to Kes 250,000 are unsecured, but for larger amounts, lenders need security in order to reduce the risk to themselves.<\/p>\n\n\n\n<p>A business mortgage usually lasts from three to 25 years and you can usually find a 70-75% mortgage. This is a measure of loan-to-value ratio to see how much you\u2019re borrowing in relation to how much the property is worth. <\/p>\n\n\n\n<p>If it\u2019s an investment then the amount you can borrow will be determined by the rental income generated by the investment, but this will not exceed 65% of the purchase price. If you are buying a business which includes goodwill, stock etc then the amount available will be further reduced.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"key-features-of-taking-out-a-commercial-mortgage-1\"><strong>Key features of taking out a commercial mortgage<\/strong><\/h5>\n\n\n\n<p>A business mortgage plan differs from a regular mortgage in the following ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>There are usually no fixed rates for commercial mortgages<\/li><li>You\u2019ll usually pay a higher interest rate on commercial mortgages compared to regular home mortgages as these are considered higher-risk to lenders<\/li><li>Commercial mortgages tend to offer better interest rates than regular business loans as these require property as collateral<\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"the-benefits-of-taking-out-a-commercial-mortgage-2\"><strong>The benefits of taking out a commercial mortgage<\/strong><\/h5>\n\n\n\n<p>Here are a few reasons why you might want to think about taking out a commercial mortgage:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The interest on your commercial mortgage is tax-deductible<\/li><li>If your property increases in value, your capital could also see an increase<\/li><li>You\u2019ll be able to rent out the property to generate extra income<\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"how-to-apply-for-a-commercial-mortgage-3\"><strong>How to apply for a commercial mortgage<\/strong><\/h5>\n\n\n\n<p>Hiring a specialist broker could help ensure you\u2019re paired with the most suitable lender and make the application process more manageable. A commercial mortgage application works similarly to taking out a regular mortgage for your home:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>You complete and submit the Asset and Liability form (this can usually be done online)<\/li><li>You\u2019ll then be asked to complete the commercial mortgage application form<\/li><li>You\u2019ll be required to provide information on your business (listed below)<\/li><li>The property is valued<\/li><li>All legal due diligence will be carried out by the lender\u2019s solicitors<\/li><li>If approved, you\u2019ll receive a mortgage offer by the bank<\/li><\/ul>\n\n\n\n<p>It\u2019s a good idea to collate the necessary documents ahead of time, so your application is processed more efficiently:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Bank statements usually covering the last 3 years<\/li><li>Trading figures usually covering the last 3 years<\/li><li>Proof of identity and address<\/li><li>Lease and\/or tenancy agreements<\/li><li>You may have to provide a business plan for financial projections \u2013 this could help the lender determine how likely you\u2019re to be able to pay off the loan<\/li><\/ul>\n\n\n\n<h6 class=\"wp-block-heading\" id=\"points-to-consider-4\"><strong>Key points to note:<\/strong><\/h6>\n\n\n\n<p>Since a commercial mortgage is quite complex by nature, it\u2019s a good idea to carefully consider which mortgage to opt for and ensure you\u2019re able to afford the monthly payments. <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>You\u2019ll usually still be able to apply for a commercial mortgage if you have a&nbsp;bad credit rating, but you\u2019ll likely pay a high interest to make up for the risk the lenders take<\/li><li>Mortgages are a type of&nbsp;secured loan&nbsp;where the property is used as collateral by the lender against the loan, so if you default you\u2019ll likely lose ownership of your real estate<\/li><li>Deposits for this kind of mortgage can be quite hefty, so it\u2019s a good idea to ensure you\u2019ll be able to pay both the deposit and the monthly repayments comfortably&nbsp;&nbsp;&nbsp;<\/li><li>A broker can often help you find the highest loan to value ratio (LTV)<\/li><li>If you haven\u2019t been trading for long, lenders may see this as a sign of high-risk and request personal guarantees<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>A commercial mortgage is any loan secured on property which is not your residence. Buy to let mortgages are a special type of high volume commercial mortgage which is packaged for a volume market. When are commercial mortgages used? Commercial mortgages\u00a0generally take over where\u00a0business\u00a0loans finish.\u00a0Business\u00a0loans\u00a0up to Kes 250,000 are unsecured, but for larger amounts, lenders [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12025,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":"","footnotes":""},"categories":[29],"tags":[],"class_list":{"0":"post-12016","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financing"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Commercial Mortgage Guide For Investors - Kenya Homes<\/title>\n<meta name=\"description\" content=\"Since a commercial mortgage is quite complex by nature, it\u2019s a good idea to carefully consider which mortgage to opt for and ensure you\u2019re able to afford...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kenyahomes.co.ke\/blog\/a-guide-to-commercial-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Commercial Mortgage Guide For Investors - 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