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Commercial Mortgages

Taking the complexity out of commercial investments

Commercial Mortgages

There are a number of lenders in the market that provide finance for commercial borrowers. We have access to High street, challenger banks and specialist mortgage lenders.

Commercial mortgages are typically seen in the following type of scenarios:

Owner Occupier – where you are the borrower, you might be looking to purchase the premises where you or your business currently operate or you are looking for a new premise to move in to as a long term base to operate your business from, be it an office space, warehouse, light or heavy industrial, there are commercial mortgages available in most scenarios.

Commercial Investor – Our take on Commercial Investor Mortgages covers a broad spectrum of sectors, including; Commercial, Industrial & Retail Units, Student Accommodation, HMO Blocks & BTL Portfolios. These mortgages are generally derived from the rental income that the properties currently enjoy and this will generally dictate the Loan to Value available.

Types of Finance
  • Single or Multiple Units
  • Office Blocks
  • Retail Units
  • Industrial (factories, warehouses)
  • Leisure Facilities (public houses, restaurants, hotels)
  • Nursing & Care Homes
  • Residential portfolios
Information required
  • Audited accounts for the last two years
  • Current year management accounts & business performance
  • Up to date profit and loss forecast for the next few years
  • The credit status of the business
  • The personal details of the key stakeholders in the business and accompanying asset and liability statements for each applicant
  • A business plan detailing how the property will contribute to your cash flow and how you plan on repaying the loan
  • Growth projections for the business
Criteria & Guideline to Pricing
  • Rates from 2.5%
  • Interest Only Options Available

  • 2 year to 30 year term
  • Up to 85% LTV (HMOs and Buy to Let)
  • Up to 75% (Semi commercial and Commercial)
Scenarios
  • Owner Occupier

  • Commercial Investor
  • Portfolio