Whether you’re looking to refinance commercial property for better rates or you’re looking to restructure existing debt, our tailored bridging finance can offer speed, flexibility, and certainty, particularly in time sensitive situations.

What Is a Commercial Property Remortgage?

A commercial remortgage involves replacing an existing mortgage on a commercial property with a new one. 

This can either be with the same lender or a new provider. Just like with residential mortgages, the goal is often to get yourself a better deal or adjust the terms to better suit your current requirements.

A commercial property remortgage can apply to a wide range of properties both commercial and residential; from offices and retail units to HMOs.

Why You May Consider Commercial Property Remortgage

There can be a range of reasons why you may consider commercial property remortgaging, but often the most common attractions include situations such as:

• Accessing funds held in assets (property)

• Improved rates to save money

• Consolidating debts

• Exit planning

Our short-term bridging loans can provide breathing room while a longer-term mortgage is arranged, or as a standalone option when traditional lenders can’t move quickly enough for your needs.

The Process of Commercial Property Refinance

When you decide to refinance commercial property, the process often depends on the nature of the asset, for example what it is being used for and how this can impact the mortgage. 

However, at MS Lending Group, we simplify the journey so you can move over to a new longer term, more beneficial financing option seamlessly. This is how you can remortgage in as easy as 1,2,3. 

First, talk to us…

An initial consultation with us is when we can discuss your commercial property and objectives, we will go over the valuation and our due diligence.This will include activity such as reviewing the value of the property and reviewing any liabilities. 

We’ll make you the offer…

Once we have all the information that we need, we can move forward in your application, we may require extra documentation so the more prepared you are the better.

Then, instead of waiting around to access the funds you need for instance, using a bridging loan can help you get access to equity while you wait for the right remortgaging structure for your commercial property. 

Legality & Funds…

Finally, we complete our underwriting and works with legal aid to complete all the necessary paperwork and due diligence. Once this has been confirmed, the funds are released and you can work on finding a suitable long term remortgage solution that can see you saving money.

Because we are a non-bank lender, we can make fast, pragmatic decisions. Our in-house team oversees each case from enquiry to completion so get in touch to find out how we can help.