Mortgage

Why Choose Equiflux Capital Group?

• Mortgages starting from £40,000 up to £30 million
• A range of variable and 3, 5 or 7 year fixed rates
• Lending up to 75% loan-to-value (LTV) i.e money that covers 75% of the property value
• Every case individually assessed by specialists, with bespoke pricing and terms
• Decisions made in days and funding made in weeks
• Flexible repayment terms up to a maximum of 20 years - including interest only and capital repayment options - or a mixture of both when deal meets our criteriaK
• Monthly repayments are fixed, so you know exactly what to expect and can budget easily
• Rates start from just 3% above Bank of England base rate
• FWe lend on offices, warehouses, industrial, purpose-built student accommodation, mixed use portfolios, retail units and large residential portfolios including HMO or multi-unit blocks with 7 or more bedrooms/units
• VAT Loans available on VAT-qualifying commercial properties
• Lending to a range of applicant types including those with complex corporate structures

Interest rates are charged as a margin over a currency reference rate (for example Bank of England Base Rate, near Risk Free Rates (RFRs) such as Sterling Overnight Index Average (SONIA), USD LIBOR or the cost of funds for fixed interest rate loans. Every business is unique. We'll always offer you our most competitive rate based on your circumstances.

Terms and conditions apply. All loans are subject to status and eligibility. Applicants must be aged 18 or over. You must be based and operate in the UK (excluding Channel Islands, Isle of Man & Northern Ireland) and already have a commercial property or are looking to purchase premises.

Please note security will be required. Assets used as security will be at risk if you do not keep to the arrangement and may be sold to repay your debt. An arrangement fee, valuations and security fees will all be payable. Other fees may apply.

Your property may be repossessed if you do not keep up repayments on your mortgage

• If the loan is repaid early, a prepayment fee will be payable.
• If the loan is repaid early, a prepayment fee will be payable and if you repay the loan within a fixed rate period, you will also have to pay a fixed rate break fee.
• Variable debit interest is payable on your loan and tracks the Bank of England Base Rate. If the Bank of England Base Rate falls below zero, we will treat it as zero.
• £40,000 is the minimum amount available for variable, non-sterling currencies, RFR and USD LIBOR linked loans. Availability is subject to eligibility criteria and only available to businesses with turnover of £1m or above. If the RFR for any day, or USD LIBOR for any interest period is less than zero, the RFR or USD LIBOR for that period shall be deemed to be zero.
• Deferring capital repayments will increase the total interest charged and therefore the total amount payable over the full term of the loan. Following a capital repayment holiday, your repayments will be higher to ensure your loan will be repaid by the end of the term. Not available for fixed rate loans.