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JMS Financial Services

commercial mortgages

Commercial Mortgages/Bridging & Secured Loans


A bridging loan is a lending facility secured against property for a short term, normally between one day and 12 months. Bridging loans permit true equity based lending.

Typical bridging purposes include:

Development Loans

A development loan is a short-term facility secured by way of a legal first charge on a property being built or renovated. The facility is provided to cover the cost of land acquisition and/or building construction costs. Development loans are disbursed (1) as required (2) as each stage is completed, (3) according to a prearranged schedule, or (4) when a contracted condition is met. Development loans are redeemed from the proceeds of longer term financing, part/full asset disposal or a combination of both.

Bridging/Development Loans and Commercial Mortgages are not regulated by the FCA.

Commercial Mortgage

A commercial mortgage is simply a loan secured against a property used for business purposes. It provides a flexible and affordable solution that gives you access to capital, and is normally considered the best way to finance the purchase of buildings or land for business purposes. A commercial mortgage can also assist you with expanding an existing business.

Secured Loans

A secured loan is a lending facility secured by way of a legal charge against property. Secured loans range from £5,000 to £10million and can be secured against owner-occupied, buy-to-let and commercial property.

Our relationship with Specialists in this field mean that we are able to provide you with various options to assist you with your requirements. Please contact us for further information.