🏢 Commercial Mortgages in Colchester

From units on Colchester Business Park and Severalls to mixed-use buildings in the town centre and Tollgate/Stanway, we help owners and investors arrange commercial mortgages with sensible structures and clear underwriting — so your purchase or refinance stays on track.

💼 Finance for

• 👨‍⚕️ Owner-occupied property: Offices, clinics, retail and light industrial/workshops.
• 🏦 Commercial investments: Single-let/multi-let, strong covenants and FRI leases.
• 🏬 Mixed-use/semi-commercial: Ground-floor retail with residential uppers.
• 📑 SPV or trading company purchases: With appropriate guarantees and security.

📊 What drives decisions

• ⚖️ DSCR: Commonly 1.25×–1.5× (profit or net rent vs debt service).
• 📉 LTV: Up to ~75% (asset and covenant dependent).
• 📆 Term & structure: 5–25 years; capital & interest or interest-only for investments.
• 🚨 Risk factors: Tenant quality, lease length, location, alternative use and EPC considerations.

🗂️ Documents to line up

• 📒 Accounts (2–3 years) or projections (new ventures)
• 📜 Lease details & rent roll (investment)
• 🏦 Bank statements, ID and A&L summary
• 🏗️ Property details: floor area, EPC, planning/usage

⚡ Our process

1. 🔎 Feasibility: Quick DSCR/LTV sense-check and structure planning.
2. 📑 Indicative terms: AIP/Heads of Terms to support offers and solicitor instruction.
3. 📝 Valuation & UW: We coordinate survey, respond to lender queries and keep momentum.
4. ✅ Offer & completion: Legal work completed; drawdown arranged to your timeline.

❓ Commercial Mortgage FAQs (Colchester)

📈 How are yields used in valuations?

For investment property, valuers capitalise the rent using an appropriate yield reflecting tenant/lease quality and location.

💷 Can I borrow interest-only?

Often possible on investments with strong DSCR; owner-occupied deals are commonly on capital & interest.

📑 Do I need a debenture over the company?

Many lenders take a debenture alongside the property charge and may ask for director PGs.

🌱 What EPC rating is required?

Lenders increasingly consider EPC; your solicitor will confirm Minimum Energy Efficiency Standards relevant to the asset.