For established businesses or if you are thinking about starting a business, KIS Commercial Finance can take care of most of your financial requirements. KIS Commercial Finance are independent commercial mortgage and finance brokers who are based in Monmouthshire, South Wales and provide their extensive range of services throughout the United Kingdom.

KIS Commercial Finance specialise in all of the services that they provide, with no ties to any particular lenders for any of their services, they very much remain independent. Finance facilities that KIS Commercial Finance specialise in arranging are commercial mortgages, buy to let mortgages, commercial loans, asset finance, invoice finance, bridging loans and also development loans.

Commercial mortgages are available from £75,000 through to and beyond £100 million, and are available for purchasing businesses, purchasing businesses premises, extending existing premises and business expansion. Commercial remortgages are also available and can be used to raise finance for business expansion, modernisation, consolidating other more expensive finance facilities, providing a cash injection for the business or to just simply swap mortgage facilities for a more favourable deal.

Rising rents caused by the increase demand for rental houses and flats, combined by low property prices due to a struggling property market are encouraging more and more people to invest in rental property. The increased demand for property, caused by first time buyers finding it hard to find mortgage facilities, has seen rents increase and lenders taking a new interest in the buy to let market. This new interest has recently seen lenders returning to this sector, leading to lending criteria becoming more flexible with loan to values being increased and the introduction of some new competitive deals.

A specialist team at KIS Commercial Finance deal efficiently with buy to let mortgages and work to ensure that their customers receive the best deals available within a time scale that can help to secure property purchases at auction or other purchases and remortgages where a speedy completion is crucial. The buy to let team keep financing of investment property very simple, whether it is for the first property of a property portfolio or the latest addition to a large portfolio.

A popular way for budding property investors to start a property portfolio is through a let to buy mortgage. This is very similar to a buy to let mortgage, but instead of finding an investment property to purchase and rent out, a let to buy mortgage is taken out to raise finance on your existing home. The home is then rented out to a tenant and the owner moves property. This is very useful for people who do not want to sell their existing property when moving house, due to low property prices or wanting to keep the property as a future investment. This can also be a great way to start a property portfolio because it saves on paying stamp duty, it is a property that is already well known to the investor, plus it makes moving home easier due to completion dates, not being involved in a sale chain and more or less putting the investor in a cash buyer position, when making offers on potential property that could become the new home.

Investment property mortgages are available for houses, flats and HMOs, plus the commercial mortgage department efficiently deals with investment mortgages for shops, offices and other retail or commercial units.

Another useful facility that KIS Commercial Finance offers is bridging loans. These are often used by property investors when funds are required for just a short period of time, or are required quickly, or when the property being purchased is in a poor state of repair. Similar to bridging loans is development finance, where KIS Commercial Finance has a team experienced in all aspects of finding and arranging development finance facilities.

Most businesses require other types of commercial finance, and this can often be asset finance in order to obtain new equipment or machinery for business expansion, or to update equipment for greater efficiency or to just replace worn out machinery. Asset finance is available for plant equipment, office and factory equipment and machinery, and vehicles including lorries, prestigious cars, busses, tractors and even motor homes.

Call KIS Commercial Finance on 0800 644 6555 to see what excellent finance deals they have available for your business.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.