Retail

Owner run/occupied Retail Businesses

Business Types

• Food stores
• Newsagents
• Post Offices
• Off Licences
• Greetings Cards
• Dry Cleaners
• Sports
• Florist
• Hairdressers
  

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

Read more...

Food stores, newsagents, Post Offices and many other retail types are ideal businesses for a sole trader or partnership with family members actively involved. In a good location with plenty of well displayed stock they can make good profits and be a stepping stone to bigger and better businesses.

Whether buying or refinancing you can be sure that ACL has the experience and expertise to successfully arrange the necessary funding on a freehold or leasehold business on really attractive terms.  

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 30 years. When you want to sell or retire you can grant a lease and keep the freehold property as an investment.