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Commercial Mortgages

Maximise your business assets withpataya Management. We empower you with strategic financial options, turning property acquisition and refinancing into opportunities for expansion, better cash management, and streamlined debt.

Enquire Now

Commercial Mortgages

Maximise your business assets withpataya Management. We empower you with strategic financial options, turning property acquisition and refinancing into opportunities for expansion, better cash management, and streamlined debt.

  • From £25K to £10M
  • Re-financing Options
Enquire Now

Commercial Mortgages

Maximise your business assets withpataya Management. We empower you with strategic financial options, turning property acquisition and refinancing into opportunities for expansion, better cash management, and streamlined debt.

  • From £25K to £10M
  • Re-financing Options
Enquire Now
Seize the moment and secure a property that enables your business's goals.

Commercial Mortgages

A commercial mortgage is a loan specifically designed for businesses to purchase or refinance commercial properties, such as offices, retail spaces or industrial buildings.

From fixed or variable interest rates to flexible repayment terms, businesses can choose what suits them best. Unlock the advantages of property ownership, build assets, and secure a prosperous future for your business.

Call Us On 0191 814 3888

Why Choosepataya Management?

Explore the advantages of our flexible terms, competitive rates, and efficient approvals. You can benefit from our dedicated UK-based account managers who simplify the process and offer guidance at every step of the way. Take advantage of our extensive network of UK lenders for optimal terms tailored to your needs. 

  • Flexible terms and competitive rates
  • Efficient approvals for quick access to funds
  • Dedicated UK-based account managers for personalised guidance
  • An extensive network of UK lenders for optimal terms
  • Exceptional service with a focus on your business's success

Experience exceptional service that prioritises your business. Choose us for unparalleled expertise, diverse financing options, and a brighter future.

OUR PROCESS

How Do Commercial Mortgages Work?

Your account manager will guide you through each step of the commercial mortgage process, from assessment to lender selection, application submission, review, approval, and funds being released.

1. Find the right property

Speak to local estate agents and research online to review what is available.

2. Fact find & application

We'll then gather the relevant information and submit an application on your behalf.

3. Approval & funds released.

Your Account Manager will help you navigate the end stages of the process until the funds are released.

Benefits of Commercial Mortgages Finance

Flexible Terms

Tax Advantages

Equity Building

Appreciation

Repayment Break

3 - 25 Year Options

Quality Services & Fast Processes...

Our seasoned professionals navigate the market with precision, securing the best possible deals tailored to your unique circumstances. Trust in our experience and dedication to deliver the most suitable financing options for you. Take the first step towards unlocking your business’s potential by enquiring today.

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What We Offer

Our Services at
Pataya Financial Management Services

Atpataya Management, we take care of the short and long-term.

We understand your business requires access to affordable and timely cash flow to grow. Our highly-skilled team can assist with a variety of different finance solutions including, but not limited to the following:

Business Loans

With fantastic rates available we can help secure the right loan for your business needs with favourable terms!

Equipment Finance

We will find an equipment finance solution for your business without compromising cash flow!

Supplier Finance

We have access to a wide range of supplier finance solutions!

Renewable Energy Finance

Add a fantastic asset to your business with low-rate finance!

Vehicle Finance

Adding to your existing fleet or simply purchasing a car for business use.

FAQ

Frequently Asked Questions

There are many things to consider when it comes to commercial mortgages. Please see some of our frequently asked questions or give us a call to see how we could help.

Commercial mortgages are tailored for business purposes, while residential mortgages are for personal property. Commercial mortgages typically have higher interest rates and require more rigorous financial assessments.

Eligibility depends on factors such as the business's financial health, creditworthiness, and ability to repay the loan. Lenders may also consider the property's value, location, and potential income generation.

The borrowing capacity varies depending on factors like the business's financials, property value, and lender's criteria. Typically, lenders offer a loan-to-value ratio of up to 70-75% for commercial mortgages.

Commercial mortgages can be used to finance various properties, including offices, retail units, industrial buildings, warehouses, hotels, and healthcare facilities, among others.

Yes, commercial mortgages can be used to finance property development projects, including construction, renovations, or conversion of properties.

We specialise in bespoke business finance solutions including business loans, business vehicle finance, equipment finance and more.

Opening Times

  • Mon - Fri: 09:00 - 17:00
  • Weekends: Closed
  • Bank Holidays: Closed

Contact Information

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Privacy Policy

This privacy policy sets out how www.patayamanagement.net uses and protects any information that you give www.patayamanagement.net when you use this website.

www.patayamanagement.net is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

www.patayamanagement.net may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 01/01/2023.

What we collect

We may collect the following information:

  • Name and job title
  • Contact information including email address
  • Demographic information such as postcode, preferences and interests
  • Other information relevant to customer surveys and/or offers

 

What do we do with the information we gather?

We require this information to understand your needs and provide you with a better service, in particular for the following reasons:

  • Internal record keeping.
  • We may use the information to improve our products and services.
  • We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address you have provided.
  • From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.

 

Security

We are committed to ensuring that your information is secure. To prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

 

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

 

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

 

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

 

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

 

  • Whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
  • If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at info@patayamanagement.net

 

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to Pataya Financial Management Services, 371a Upton Lane, Forest Gate, London, United Kingdom, E7 9PT

 

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.

Commercial Mortgages

This website and its content are protected by copyright laws. All rights reserved.

The content of this website, including but not limited to text, graphics, images, logos, and software, is the property of Pure Asset Finance Ltd T/Apataya Management or its content suppliers and is protected by the United Kingdom and international copyright laws.

You may not reproduce, distribute, publish, display, modify, create derivative works from, or exploit in any way the content of this website without the prior written consent of Pure Asset Finance Ltd T/Apataya Management.

You may download, print, and store limited copies of the content of this website for your personal, non-commercial use, provided that you do not alter or remove any copyright, trademark, or other proprietary notices.


Any unauthorised use of the content of this website may violate copyright laws, trademark laws, and other laws. Pure Asset Finance Ltd T/Apataya Management reserves the right to take legal action against any unauthorised use of the content of this website.

Commercial Mortgages

This website, www.patayamanagement.net, uses cookies to improve your browsing experience and to help us understand how users interact with our site. This Cookies Policy explains what cookies are, how we use cookies, and how you can manage your cookie preferences. 

What are cookies?

Cookies are small text files that are stored on your device when you visit a website. They are widely used to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

 How we use cookies

We use cookies for a variety of purposes, including:

  • To remember your preferences and settings
  • To understand how you use our site and to improve your experience
  • To show you relevant content and advertising
  • To analyse traffic and usage patterns 

Cookies that we use

We use the following types of cookies on our website:

  • Strictly necessary cookies: These are essential for the proper functioning of our website and cannot be disabled.
  • Functionality cookies: These enable us to remember your preferences and settings, and to provide enhanced, personalized features.
  • Performance cookies: These collect information about how you use our website, such as which pages you visit, and help us to improve the performance of our site.
  • Advertising cookies: These are used to show you relevant content and advertising based on your browsing history and interests.

Managing your cookie preferences

Most web browsers allow you to manage your cookie preferences. You can set your browser to accept all cookies, to block certain types of cookies, or to block all cookies. You can also set your browser to alert you when a website tries to set a cookie.

Please note that if you block or delete cookies, some features of our website may not work properly.

For more information about managing your cookie preferences, please refer to the help section of your browser or visit www.aboutcookies.org.

Commercial Mortgages

This website is operated by Pure Asset Finance Ltd T/Apataya Management (the “Website”). By using the Website, you agree to be bound by these Terms of Use (the “Terms”). If you do not agree to these Terms, please do not use the Website.

  1. Use of the Website

The Website is intended for your personal, non-commercial use. You may not use the Website for any illegal or unauthorized purpose. You may not use the Website in a way that could damage, disable, overburden, or impair the Website or interfere with any other party’s use of the Website.

  1. Intellectual Property

The content of the Website, including but not limited to text, graphics, images, logos, and software, is the property of Pure Asset Finance Ltd T/Apataya Management or its content suppliers and is protected by the United Kingdom and international copyright laws. You may not reproduce, distribute, publish, display, modify, create derivative works from, or exploit in any way the content of the Website without the prior written consent of Pure Asset Finance Ltd T/Apataya Management.

  1. Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis. Pure Asset Finance Ltd T/Apataya Management makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website. Pure Asset Finance Ltd T/Apataya Management will not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

  1. Limitation of Liability

Pure Asset Finance Ltd T/Apataya Management will not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

  1. Changes to the Terms

Pure Asset Finance Ltd T/Apataya Management reserves the right to modify these Terms at any time without notice. Your continued use of the Website after any such modification constitutes your acceptance of the modified Terms.

  1. Governing Law

These Terms and your use of the Website will be governed by and construed in accordance with the laws of England and Wales, without giving effect to any principles of conflicts of law.

Commercial Mortgages

This website (the “Website”) is provided by Pure Asset Finance Ltd T/Apataya Management on an “as is” and “as available” basis. Pure Asset Finance Ltd T/Apataya Management makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website.

Pure Asset Finance Ltd T/Apataya Management will not be liable for any errors or omissions in the content of the Website, or for any actions taken in reliance on the information provided on the Website. Pure Asset Finance Ltd T/Apataya Management will not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

Pure Asset Finance Ltd T/Apataya Management does not warrant that the Website will be available at all times or that the Website or any content will be error-free. Pure Asset Finance Ltd T/Apataya Management reserves the right to modify, suspend, or discontinue the Website or any content at any time without notice.

The content of the Website is provided for general information purposes only and is not intended to be a substitute for professional advice. You should always seek the advice of a qualified professional before making any decisions based on the information contained on the Website.

Complaints Policy

 Section Title

  • Introduction
  • What Happens Next 

  1. Introduction

1.1 Pure Asset Finance Ltd are committed to providing products and services of the highest standard. If for any reason, you feel you are not entirely satisfied with any aspect of our service, please let us know straight away.

Our Complaints department will investigate your complaint competently, diligently and impartially.

How to make your complaint:

Firstly, let us know what has happened. You can call us, email us or write to us. Our contact information is detailed at the bottom of this document.

We will need to know:

  • Your name and address.
  • Your agreement number or policy number as appropriate.
  • Details of how we can contact you.
  • A clear description of your complaint and whether any 3rd party is involved.
  • Details of what you would like us to do to resolve your complaint.
  • If appropriate, copies of any relevant supporting documentation.

  1. What happens next?

2.1 We will contact you within 5 working days to let you know we are considering your complaint and clarify any points where necessary. If we can resolve your complaint within 3 working days, we will send you a Summary Resolution Communication. This is a written confirmation, which confirms that you made a complaint and that we now consider the matter resolved.

2.2 If you subsequently decide that you are dissatisfied with the resolution of the complaint, you may be able to refer the complaint to the Financial Ombudsman Service, the NACFB or the ICO, dependent upon the circumstances surrounding the case.

2.3 We will indicate within the communication whether we consent to waive the relevant time limits as set out in the FCA handbook (Dispute Resolution) if this is applicable.

2.4 We will keep you regularly updated about what’s happening and discuss our findings. We will consider all the available evidence, the circumstances, relevant laws or regulation, as well as guidance from the Financial Ombudsman Service where applicable. When we have investigated your complaint, we will write to you to let you know our final response. This detailed letter will tell you what we have found, what we plan to do and how we came to our decision. If it is going to take us more than eight weeks to resolve your complaint, from when you first contacted us, we will update you on our progress and explain why it is still ongoing.

 Address: Pure Asset Finance Ltd, The Arches, Tinklers Bank, Corbridge, Northumbria, RM12 6JL

Contact Number: 0191 8143888

Email: Complaints@patayamanagement.net

  • If you are not satisfied with how we dealt with your complaint or you are not happy with our decision and wish to take it further, you may be able to contact the Financial Ombudsman Service (FOS) regarding your complaint provided that the complaint concerns a regulated activity and you fall within the classification of an “eligible complainant”. FOS contact details are:
 

Address:                           Financial Ombudsman Service (FOS) 
                                              Exchange Tower
                                              London
                                              E14 9SR
Consumer helpline:      0800 023 4567 or 0300 123 9123
Switchboard:                   0207 964 1000
Fax:                                       0207 964 1001
Email:                               complaint.info@financial-ombudsman.org.uk

  

Capacity and Commission Disclosure

The Customer acknowledges and agrees that Pure Asset Finance Ltd T/Apataya Management is acting in the capacity of an intermediary for the purpose of preparing and submitting any finance proposal to a funder. Pure Asset Finance Ltd T/Apataya Management shall communicate with the Funder (and where applicable Suppliers) for and on behalf of the Customer for the purpose of providing the Services, and the customer gives Pure Asset Finance Ltd T/Apataya Management authority to do so on its behalf. 

Pure Asset Finance Ltd T/Apataya Management may be paid commission from the Funder for consideration of introducing the customer to the Funder (either on a fixed fee basis, or as set out as a percentage). Each funder may award different commission rates, and this does not have any effect on any rental payments payable by the customer for the rental period. Pure Asset Finance Ltd T/Apataya Management shall make such introductions and provide its services in accordance with the customer’s interests at all times. If further information on the commission structure of Pure Asset Finance Ltd T/Apataya Management is required, then this can be provided on request.

Data Processing Statement

Data Processing/Privacy Notice

This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting our website you are accepting and consenting to the practices described in this policy.

For the purpose of the European Data Protection Regulations (‘GDPR’) and the Data Protection Act 2018 (the Act) and, the data controller is Pure Asset Finance Limited, The Arches, Tinklers Bank, Corbridge, NE45 5SB.

This Privacy Statement explains how we process your information and your rights under both DPA and GDPR.

Information we may collect from you

We may collect and process the following data about you:

Current & historic identity and address details, your virtual identity, income & financial status documents, identification documents, employment details, physical & mental health records, residential status, credit search information, criminal convictions, insolvency history, CCJ’s, repossessions and sometimes other similar data as and when required by our funders.

We may also collect information through cookies on our website.

This information is either given to us directly by you, the data subject, or from other sources (such as credit reference agencies) where you have been notified and your permission has been given.

Uses made of the information

We use the information to: Source financing options at your request. To keep you up to date on any existing finance arrangements we have made at your request. To advise you of similar opportunities where we feel they will be of benefit to you.

We may also use this information to keep in contact with you to maintain a good working relationship.

Disclosure of your information

We may share your personal information with 3rd parties including:

Business partners, suppliers, sub-contractors and agents for the performance of any contract that we enter into with either them or you, including without limitation any data processor we engage.

Analytics and search engine providers that assist us in the improvement and optimisation of our site.

In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.

If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms of Use or terms and conditions of supply and other agreements. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Where we store your personal data

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we have procedures and security features in place to try to prevent unauthorised access and to minimise the impact of any possible breach.