Commercial Mortgages
Our Approach
Having managed numerous transactions across Plymouth, Ivybridge, Newton Abbot, and beyond, we understand the unique challenges and opportunities in these areas. From reviewing mortgage offers and understanding lender conditions to handling completion and ongoing obligations, we provide experienced guidance tailored to your unique commercial circumstances.
More About Commercial Property
- Reviewing Mortgage Offers and Terms – Examining the lender’s documentation, including loan agreements, security requirements, and covenants.
- Due Diligence and Risk Assessment –
Ensuring that your business, the property, and the transaction comply with legal and lender standards. - Title Investigation and Security Review – Confirming ownership, boundaries, restrictions, and any third-party interests affecting the property.
- Lender Compliance and Documentation – Preparing, reviewing, and submitting all certificates, declarations, and supporting documents required by your lender.
- Negotiating Terms Where Possible – Ensuring that mortgage covenants and obligations are fair and manageable for your business.
- Exchanging and Completing Mortgage Documentation – Finalising legal agreements to secure the funds for your purchase or refinancing.
Post-Completion Support – Managing registration, discharge of existing charges, and ongoing compliance obligations.
Every commercial mortgage is different. Our experienced team tailors support to your circumstances, whether you’re acquiring property for your business, refinancing an existing asset, or expanding your commercial portfolio.
Key Areas You May Need to Consider:
- VAT – The lender may require VAT considerations to be clarified, particularly if the property is opted to tax.
- Stamp Duty Land Tax (SDLT) – Lender compliance may include SDLT confirmation for your mortgage security.
- Capital Allowances – Fixtures and plant may affect the valuation and mortgage structure.
- Energy Performance & Compliance – Lenders may require EPC certificates and regulatory compliance verification.
We focus on making the commercial mortgage process straightforward and stress-free, ensuring all legal and lender requirements are taken care of. Where specialist matters such as tax arise, we work alongside the right professional advisers so you can move forward confidently.
Frequently Asked Questions
Yes. Commercial mortgages involve complex legal documents, lender compliance, and risk assessment. We ensure your mortgage is legally sound and protects your interests.
Typically 6–10 weeks, depending on lender requirements, property due diligence, and legal documentation.
Absolutely. We manage the legal aspects of refinancing, including discharging existing charges and registering new security.
Shops, offices, warehouses, industrial units, land, mixed-use buildings, and investment properties.
Yes. We review leases, rent schedules, and tenant obligations to ensure the lender’s security is correctly structured.
Our Commercial Property Team
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