Scroll Down for the Underwriting Process

GO4 independent brokers will work in partnership with our customers, providing them with a range of innovative and competitive mortgage products, secured against different types of commercial property. We take time to understand their business and tailor the mortgage so it fits in with their circumstances and plans.

From small family firms to large company organisations, and whether a borrowing requirement of £25,000 or £5 million, we will work with you to provide you with the most competitive borrowing package.

A Commercial Mortgage can be taken out to buy, extend, improve or remortgage premises usually within the following criteria:    Loan Size £25,001 No maximum Term Up to 25 years    LTV Generally up to 75% applies Up to 100% if additional security is available Sitting tenants may also obtain up to 100% in some circumstances    Rate Variable rates between 1.5% and 3% over base Fixed and base rate caps are also available    Fees Valuation and lenders legal fees are payable Lenders arrangement fee is usually between 0.5% and 1% of funds raised A commitment fee of £250 per case plus a completion fee of 0.5% - 1% of funds raised    Bridging Loans Residential property Up to 80% of Open Market Value. Rate 2% per month. Any purpose. Commercial property Up to 70% of Forced Sale Value. Rate 2% per month. Any purpose. If the loan requirement is less than the maximum stipulated above, then better terms may be available.

3 MINUTE COMMERCIAL MORTGAGE, LOAN AND FINANCE ENQUIRY FORM    BORROWER DETAILS Name (required) Business Name Telephone Number (required) Fax Number Nature of Business E-mail Address (required) LOAN DETAILS Advance Required Purpose of Loan SECURITY DETAILS Bricks and Mortar Value Going Concern Value FINANCIAL DETAILS How long has the business been established? Last year's profits before tax

One of our experienced Commercial Mortgage Consultants will undertake the following on your behalf:

• Preparation of a fact find on your business and requirements for presentation to lenders. A site visit may or may not be necessary, depending upon the individual circumstances.
• Identification and initial discussions with suitable lenders applicable to your business sector and requirements.
• Continual monitoring of your case throughout the process.
• A review of the terms offered by the lenders.
• Assistance/presence at meetings with lenders to further assist in the ‘negotiation’ process until an acceptable formal ‘offer of facilities’ is made.

The financial information that we will need to support a mortgage application is as follows:

• Last 2 years Audited Accounts
• Latest Management Figures
• Profit & Loss Forecast for next 12 months
• Last 6 months business bank statements
• Brief CV/profiles of partners/directors
• Asset/liability statements of applicants

GO4 independent brokers deal with a wide and varied panel of UK and Overseas lenders in order to give clients the best possible choice, and to secure the best possible terms in today’s complex and ever changing environment.

Other areas that we are also actively involved in arranging funding packages for, secured against commercial properties are:

• Bridging Loans – status and non-status (ie applicants with CCJ’s, poor credit history, no income proof). Up to 70% of forced sale value of property available.
• ‘Development’ loans for builders, up to 60% of projected end retail value of site available.

•  A mortgage broker does most of the work that a direct lender does and therefore receives a discounted "wholesale" rate from the lenders s/he works with.  GO4 independent brokers will not generally cost more than working with a direct lender.

• Where a loan or mortgage (status or non status) is declined by the intended first lender of choice, or when that lender imposes conditions that are judged to be unworkable, GO4 independent brokers repackage the mortgage or loan file and easily submit the loan or mortgage to another lender within a day or two. 

WE CAN ONLY HELP YOU... IF YOU CONTACT US
NEED TO TALK TO A HUMAN?
CLICK HERE - GO4 WILL CALL YOU BACK FOR FREE!!
The worst we can do, is match the best you've been offered.

Commercial | Residential | Buy To Let | Re-mortgages
NON Status & CCJ | Home Owner Loans | Self Build, Renovation & Conversion Mortgages
Equity Release Mortgage | Right to Buy Mortgage

FREE Loan Status Checker

CLICK HERE - IF YOU'RE LOOKING 4 A NON STATUS HOME OWNER LOAN

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A LOAN SECURED ON IT

Whilst every effort has been made to ensure that the facts here are correct, no liability is accepted for any errors contained herein or for any loss resulting from actions taken. 

Unless stated all loan and mortgage products are intended for people living in the United Kingdom. Specifically: UK non status mortgages, UK commercial mortgages, UK buy to let mortgages, UK remortgages, UK residential mortgages, UK self build mortgages and UK home owner loans.