Catering & Leisure

Owner Run/Occupied Catering & Leisure Businesses

Business Types

• Hotels
• Restaurants
• Public Houses
• Cafes
• Takeaways
• Fish & Chips
• Golf Clubs
• Members' Clubs
• Night Clubs
• Health & Fitness

Some Useful Features

• Up to 100% property value loans
• Up to 3 years interest only
• 30 years term
• Low lifetime Tracker interest rate
• Fixed interest rate option
• Interest calculated daily
• Balloon payment  option

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This sector covers a very wide range of business types and includes many that are often run as a sole trader or partnership with family members actively involved. With good marketing, prudent housekeeping and a reputation for consistent quality and service, catering and leisure businesses have the greatest potential for making good profits quickly.

You can be sure that ACL has the experience and expertise to successfully arrange the necessary funding on freehold and most leasehold businesses.  

If you are already in business what better asset can you own than the property from which you run your business? You will get long term security and do away with rent reviews. You just convert payments of rent into mortgage payments. 

You could also consider the tax saving benefit of using a Personal Pension.

A Self Invested Personal Pension (SIPP) or Small Self Administered Scheme (SSAS). Since April 2006 Pensions may only borrow a maximum 50% of fund value.

ACL can help you buy your own freehold by arranging up to 90% mortgages over up to 30 years. When you want sell or retire you can grant a lease and keep the freehold property as an investment.