If you need to borrow funds for commercial purpose there are funds designed particularly for this.
If it is to improve your home interiors or exteriors you must be looking for an ordinary mortgage.
Business purpose with a large fund requirement would want a commercial mortgage and not a business loan.
Competitive funds can come only with a collateral pledged.
Be it for purchase of machinery, development or expansion of your business, refinancing etc you may want to borrow funds.
If it is for a pub you must know which is the best form of borrowing.
It is usually said by experts that a rebate off and some discounts are offered to publicans if they choose to go to brewery owner.
It can be a flexible plan if you choose them as they are not as strict as a lender or broker.
They offer you discounts with the signing up of agreement that your liquor supply would reach them.
Get free stocks with purchase of bulk orders.
You can even request them for a payment holiday if you can't pay on time.
Real estate and property rates may fluctuate along with the loan.
The financial market may also have an impact due to the real estate fluctuation.
Carefully consider the risks involved in the borrowed funds.
If you are pondering over making use of the current low rate, you must consider refinancing of your earlier existing loan.
Also, take into consideration the duration of your stay, what would be the over all cost, compare it with the earlier loan cost.
Switch over only if you win a good deal!