Lenders in this economic climate like most prefer safe deals and guaranteed income. They prefer to lend against  items that are in high demand. Examples of these can be;  vehicles, construction equipment and not specialist equipment/machinery which are not in high demand..

Given the state of the construction industry which is currently not performing  as it should be, the industry still needs these items, meaning that there will be a constant and consistent demand. This inevitably results in a consistent flow of income generated in just one industry as a given example. Specialist asset finance lenders will also be versed in other industries that will deal with leases of items that are less common..

However the difficulty in  leasing can come in areas that are too exclusive outside mainstream industries or asset finance.  

That said, asset finance  is a good solid method of raising funds  for businesses including lending against existing owned kit..

 Commercial mortgages are used mainly in aid of commercial properties such as offices and retail units. The mortgages can also be used to develop or redevelop these commercial properties.

 

          themselves can prove to be useful investments when expanding businesses further or moving teams into office environments. Mainly they lead to the growth and expansion of businesses further by gaining more property which would mean more income should the owner lease the properties at suitable rates.

 It is in this instance that they can prove to be good investments as the buyer of these commercial properties can continue to lease offices and retail units as an example for a consistent flow of income throughout their annum. The mortgage can also be used to house teams and businesses into office buildings that may or may not be affiliated with the buyer/owner. When redeveloping these properties and units, mortgages can also be used in that particular instance to help with expansion and growth of particular properties.

The key to these mortgages is generally the loan to valuation fee is unlikely to exceed 75%. This can prove depending on negotiating terms a good proposition or a stumbling block if the rate is too high for potential investors. If the rate is favourable then the mortgage can be incorporated sensibly into business management plans for expansion and growth.