Commercial Mortgages

Looking to buy or refinance a Commercial Property?
We have access to some of the most competitive commercial mortgages, with up to 75% LTV

Commercial mortgages

Commercial Mortgages

If you’re purchasing Commercial Property for your own occupation, to lease, via a SIPP or SSAS as a longer-term investment or perhaps you wish to refinance an existing property then speak with a Commercial Mortgages expert.

As commercial finance broker’s we have ready access to all the commercial mortgage lenders that are actively seeking to lend, from £50,000 to £30 million. We’re able to access for our clients the most competitive rates in the market with terms up to 30 years.

The types of commercial mortgages are either an Owner Occupier Mortgage or Commercial Investment Mortgage.

An Owner Occupier Mortgage is where the property is used by the business owner to run the business from.

A Commercial Investment Mortgage is where the property is rented out to one or more business tenants, similar to a Buy to Let Mortgage.

What are Commercial Mortgages

Commercial mortgages are for properties where the whole property is used for business purposes. A semi-commercial mortgage is where there is a combination of both commercial and residential use.

Trading business mortgages are also available where the property along with the business are being purchased.

This can also include goodwill, fixtures and fittings.

Commercial property and land falls into different Use Classes as defined by the Town and Planning (Use Classes) Order.

For more information on Use Classes visit the Planning Portal.

Typical lending criteria – commercial mortgages

  • Up to 30 years
  • Maximum loan to value 75%
  • Maximum age of 85 at the end of the mortgage based on the oldest applicant.
If you are currently occupying a commercial property as a tenant and running a profitable business, then we can offer special rates and generally a higher loan to value.

Indicative Terms

Get an understanding of how much you may be able to borrow with a commercial mortgage and at what terms prior to making an application. You can use Indicative Terms to show that you may be in a financial position to purchase a property with an estate agent or those selling a property.

Some benefits of using us

In addition to property valuations, building insurance, and legal support, we offer a wide range of additional services. For information on this, please see our Business Support Services and Trusted Partner Network.

Our business support and brokerage services include fully packaging and submitting your lending application proposal in addition to ensuring the most competitive rates and terms. We will ensure that your mortgage application is prepared quickly and efficiently. At the same time, we will keep you updated on your application’s progress in order that funds are available in the shortest possible time.

Our offer

In particular, we offer all our clients a truly ‘one-stop-shop’ facility, specifically to provide you with a fully managed and professional business support and brokerage service. Our mission is to secure the most competitive funding offer for your circumstance available from the whole of the market.

Tailored Commercial Mortgage Support

Through our Tax Reclaims and Business Starts brands, we’re able to offer both Capital Allowances Tax Relief and government-backed start-up loans.

  • Capital Allowances Tax Relief can offset the hidden expenditure in refurbishing your property. Typically, this includes elements such as air conditioning, wiring, heating, lighting and security systems – essentially everything that would remain in the building if you tipped it upside down! For more information on Capital Allowances Tax Relief (external link to Tax Reclaims)
  • A government-backed Start Up Loan through the British Business Bank may be available provided that you’re either a start-up or the business has been trading for less than 3 years. For more information on Government backed start up loans (external link to Business Starts)
Whatever your property finance requirements, we offer a free, impartial, and confidential initial consultation and will quickly assess your funding options.

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