Property Finance
Finance to acquire or refinance commercial property.
Long-term funding to buy premises for your business, acquire commercial investment property or refinance property you already own.
- Facility
- £100,000 to £25m
- Term
- To 25 years
- Speed
- To 75% LTV
- Security
- Owner-occupier and investment
A commercial mortgage provides long-term finance to purchase or refinance commercial property, whether it is premises your business occupies or intends to occupy, an investment property or a semi-commercial property. Facilities can run for up to 25 years and reach up to 75% of the property's value. For owner-occupied property, lenders assess affordability against the performance of the trading business. For investment property, they assess the rental income against the mortgage payment.
The economics can be closer than many business owners expect. Mortgage repayments can sit near the rent already being paid, but with the property ultimately sitting on your balance sheet rather than your landlord's.
Commercial mortgages can also refinance existing property debt or release equity from property you already own. Where the valuation supports it and the purpose is a business one, that capital can be used for growth, investment or to replace more expensive borrowing.
- You want to buy premises for your business to occupy.
- You are paying rent and want to acquire the premises you currently trade from.
- You are buying investment or semi-commercial property to let.
- You want to refinance existing commercial property debt.
- You want to release equity from property you already own for a business purpose.
Enquire
Talk to us about commercial mortgages
Indicative terms in as little as 24 hours. Confidential, and no cost to you.
From first call to funds drawn.
- 01
Conversation
We take the property, the use, and whether it is owner-occupied or let.
- 02
Terms
Indicative LTV, rate and term based on trading accounts or rental income.
- 03
Valuation
A commercial valuation confirms the figure the lender will advance against.
- 04
Completion
Solicitors complete and the facility drops onto a long-term repayment.
The questions we're asked most about commercial mortgages. If yours isn't here, ask us directly.
Typically 25% to 30%, though owner-occupiers with strong trading figures can sometimes go higher on LTV.
Yes, commercial property can be held in a SIPP or SSAS and part-funded with a commercial mortgage. We work alongside your pension trustee.
Yes, where the valuation supports it and the purpose is a business one. Common uses are growth capital and repaying more expensive debt.
- £50,000 to £25m
Property Finance
Bridging Finance
Short-term property funding when the money has to land before the sale does.
- £20,000 to £5m
Business Finance
Business Loans
Secured, unsecured and second charge lending against turnover and property.
- £250,000 to £50m
Property Finance
Development Finance
Land and build funding drawn in stages against certified works.
