Trading Business Mortgages

Buy not just the bricks and mortar, but also the fixtures and fittings, goodwill and stock with a trading business mortgage

Trading Business Mortgages

Trading Business Mortgages

As award-winning, independent commercial finance brokers we have ready access to all the trading business mortgage lenders that wish lend, whether that’s £50,000 or £10 million. We’re able to access for our clients the most competitive rates in the market with terms up to 30 years.

If you’re buying a business that’s trading we can help finance not just the bricks and mortar, we can also help you to buy the fixtures and fittings, goodwill and stock too!

Many businesses are sold as a going concern with customers, a good reputation and sales from day one.

A trading business mortgage gives the buyer the ability to raise larger amounts of money compared to buying the building alone.

Trading business mortgages, how much can I borrow?

Typically a trading business mortgage will be up to 75% loan to value (LTV) of the open market value (OMV) of the property, fixtures, goodwill and stock.

The majority of Lenders will consider commercial properties with either Freehold or a long Leasehold.

Properties with a short leasehold may be more difficult to secure funding on.

As a long-term product, trading business mortgages are highly competitive with a choice of fixed-rate and variable-rate terms.

Trading business mortgages are typically used for

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 Trading Business Mortgages

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)

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