Your current facility is ending
You want to compare options before the current loan, fixed period or facility reaches a review point.
Need to refinance a commercial property, review an existing loan or raise capital? Count Ready helps you understand the equity, valuation, income, deadline and lender routes before you commit to another application.
A commercial remortgage means refinancing an existing loan secured on commercial property. You might switch lender, change the loan structure, release equity, repay short-term finance or review terms before the current facility ends.
It is not always about finding a headline rate. A sensible review also checks fees, valuation, legal work, early repayment charges, income evidence, lender appetite and whether the new borrowing still supports your business or investment plan.
We start with the current mortgage, the property value, the reason for refinancing and the evidence lenders are likely to request. As a result, you can decide whether to proceed now, prepare the case better or consider a different finance route.
The right route depends on why you want to refinance, how much equity is available and whether the property or business income supports the new borrowing.
You want to compare options before the current loan, fixed period or facility reaches a review point.
Funds may be needed for business investment, refurbishment, another property purchase or working capital.
A refinance route may help exit bridging finance if the property, income and timescale now fit term-lender criteria. Use our dedicated bridging-finance to commercial-mortgage exit guide to check the redemption figure, valuation, evidence and timing before approaching a term lender.
Lenders usually look at rent, lease, tenant, valuation and landlord profile before deciding appetite.
The lender may rely on accounts, bank conduct, affordability, sector, management experience and repayment history.
The next step is to identify whether the issue is valuation, affordability, credit, property type, lease terms or the purpose of funds.
A refinance is still a new lending decision. Lenders will check the security, repayment route and reason for borrowing before offering terms.
Current balance, repayment record, arrears, early repayment charges and the reason for leaving the current facility can all matter. If payments have been missed, a demand has arrived or the lender is taking action, use the commercial mortgage arrears, default and lender support guide before assuming that a remortgage application will resolve an immediate deadline. Also check whether any information covenant, financial test or consent requirement is outstanding; the commercial mortgage covenants and lender consent guide explains how these obligations can affect the current-lender discussion and the evidence needed for refinancing.
The valuation needs to support the loan requested. Property condition, location, use and saleability can influence the result.
For trading premises, lenders may review accounts and bank statements. For investment property, rent, lease and tenant strength are key.
Capital raising should have a clear purpose. Lenders may ask how the funds will be used and how the new debt remains affordable.
Title restrictions, planning use, lease terms, environmental comments and building condition can slow or reshape the refinance route. Our commercial mortgage legal charge and debenture guide explains how a new lender’s property and company security may be documented and prioritised.
If a deadline is close, lender choice, valuation timing and solicitor capacity become more important than a simple comparison table.
Read the original Google reviews before you enquire, rather than relying only on selected website quotes.
Commercial remortgaging can involve deadlines, valuation fees, legal costs and large borrowing decisions. It is sensible to check how an adviser communicates and explains options before you move forward.
We link directly to the live Google profile so visitors can read feedback in context.
You can start with estimates, but lender conversations become more accurate when these details are available.
Instead of treating every refinance as a rate search, we first establish what needs to happen and which lenders are likely to consider the case.
We ask about the balance, lender, repayment history, term, rate type, payment and any deadline.
We review property use, likely value, income position, lease or accounts and any known valuation concerns.
Where the case looks workable, we discuss suitable lender routes, evidence and likely application steps.
If you proceed, we help prepare the case and keep it moving through valuation, underwriting, legal work and offer.
Share your current lender, approximate balance, property value, reason for refinancing and deadline. We will review the enquiry and explain which lender routes may be worth considering.
If you do not know an exact valuation or balance yet, add an estimate or say you are unsure. The first review is there to clarify the route.
Broker fee transparency: The initial review is free. Count Ready usually charges a fee of £595 on mortgage offer, agreed before chargeable work begins. Count Ready may also receive commission from the lender.
Some commercial mortgage, commercial remortgage and business buy-to-let cases are not regulated by the Financial Conduct Authority. If your enquiry appears to fall into a regulated area, this will be explained before you proceed.
These pages answer the common follow-up questions businesses and property investors ask when refinancing commercial property.
Review the broader commercial mortgage routes for business premises and investment property.
See how broker support can strengthen complex property or borrower cases.
Useful if the property is let to a business tenant and the rent supports the borrowing.
Plan a refinance, consolidation or property release when several commercial or mixed-use assets are involved.
Helpful where the property combines commercial and residential elements.
Useful where the refinance involves a food-led commercial premises, takeaway use or hospitality trading evidence.
Plan the refinance before the existing facility matures or a repayment deadline limits your options.
Understand how current value, condition, rent and marketability can affect equity and lender choice.
Prepare for redemption statements, title checks, lender instructions and completion of the replacement loan.
A useful comparison looks beyond the headline rate. Check the likely property-finance structure, wider interest-rate context, regulatory boundary and legal work before deciding whether to refinance now.
Use this for an independent overview of commercial mortgages, bridging finance, costs and the importance of comparing terms.
Use this to understand the wider rate environment. A lender’s commercial mortgage pricing, margin and fees may still move differently.
Use this when checking whether a particular property and borrower arrangement may fall within regulated mortgage activity.
Use this for technical background on registering a new legal charge or varying an existing charge during refinancing.
Commercial remortgaging means refinancing an existing loan secured on a commercial property. It may involve switching lender, changing the loan structure, releasing equity, repaying short-term finance or reviewing terms before the current facility ends.
A commercial remortgage or refinance calculator can estimate a possible monthly payment from the proposed loan amount, interest rate, term and repayment method. It is not a quote or lending decision and will not automatically include the redemption figure, early repayment charge, arrangement fee, valuation, legal work or broker fee. Compare the full cost before deciding.
Capital raising may be possible if the property value, equity, income evidence and purpose of funds meet lender criteria. The lender will usually want to understand how the extra borrowing will be used and how it will be repaid.
Yes, this can be possible, but the case needs to fit term-lender criteria. Lenders will check value, income, property condition, legal position, repayment history and the deadline for repaying the bridging facility.
Lenders usually check the existing loan, repayment history, estimated value, property type, income evidence, borrower profile, reason for refinancing, credit history and any legal or valuation issues.
It may still be possible, but reduced value can limit loan-to-value and lender choice. A review should compare the current balance, likely valuation, available equity and whether staying with the current lender may be more sensible.
Yes, limited companies can often be considered. Lenders may review the company accounts, directors, shareholders, bank statements, property security, rental income where relevant and the reason for refinancing.
Timescales vary because valuation, underwriting, legal work, lender appetite and the complexity of the property all matter. If you have a deadline, share it early so lender choice and document preparation can be realistic.
Potentially. An early repayment charge does not automatically prevent a remortgage, but it should be included in the cost comparison alongside arrangement fees, valuation, legal costs and any interest saving. Waiting until a charge reduces or expires may sometimes produce a better outcome.
Possibly, although vacancy or a short occupational lease can reduce lender choice and the amount available. Lenders may consider the reason for vacancy, reletting evidence, business trading income, property condition, location, alternative use and the planned repayment route.
A previous decline or recent credit issue does not always rule out refinancing. The reason matters: affordability, property type, valuation, sector, conduct, credit history, loan purpose and timing may point to a different lender or show that the case needs stronger preparation before another application.
