Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan. Whole-of-market access and ex-banker structuring. Our Newcastle-based commercial mortgage service connects you with specialist lenders who understand the Northern Ireland commercial property market.
Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan. Whole-of-market access and ex-banker structuring.
Our Newcastle commercial mortgage team connects you with specialist lenders who have appetite for Northern Ireland commercial properties, securing competitive terms through direct credit committee relationships.
Read our complete commercial remortgage guideMarket Insight: Mourne Mountains gateway. Slieve Donard Hotel. Strong outdoor tourism.
Promenade improvements; tourism infrastructure
Strong appetite for tourism properties.
Six to twelve weeks from formal application to drawdown is the typical range, with straightforward cases at the short end and complex structures taking longer. The valuation alone takes 2-4 weeks, legal title review another 3-5 weeks, and lender credit decisioning 1-3 weeks. We recommend starting the remortgage process at least six months before any fixed-rate end date, so the new facility is in place the day the existing one reverts to a higher variable rate.
Six months before the end of your current fixed-rate period is the optimal window. Earlier than that and the formal valuation may go stale; later than that and you risk paying reversion-rate interest during the gap. If your trigger is equity release rather than rate maturity, start as soon as you have a clear use of funds, the current valuation is the binding constraint and sets the timeline.
Almost always yes. Most lenders require a valuation no more than 3 months old at drawdown, and the valuation must be addressed to the new lender (existing lender valuations typically can't be transferred). Some lenders accept a desktop or drive-by valuation for low-LTV remortgages on standard residential investment property, but full RICS valuations are the norm for commercial.
Dedicated commercial remortgage specialists with deep knowledge of the Northern Ireland market.
Access to 100+ specialist lenders including those with specific appetite for Newcastle.
Operating to the highest professional and ethical standards with full transparency on fees and lender recommendations.
Successfully arranged millions in property finance across Northern Ireland and beyond.
Provider of non-regulated lending solutions. Your property may be repossessed if you do not keep up repayments on your mortgage.