Tailored commercial mortgages to help meet your business goals.
A commercial mortgage is a type of loan for individuals or business owners used to purchase or refinance a commercial property – this also includes mixed use properties and land. In contrast to residential mortgages, commercial mortgages fund a property purchase for business activity, rather than a property you plan to live in.
There are two types of commercial mortgages:
This is used to purchase property where you are the owner and this will be your trading premise.
This is used to purchase property you plan to let out.
Please remember your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate commercial finance and some forms of buy-to-let mortgages.
A commercial mortgage may be used for a variety of commercial premises including:
Owner-occupied commercial mortgage, also known as a business mortgage, is used when a property is being purchased for the buyers own business to trade from.
For individuals and companies looking to buy or refinance commercial property and generate income by renting out the property.
A semi-commercial (or mixed-use) mortgage is used to purchase or refinance a property that has both commercial and residential elements.
For individuals and companies looking to buy or refinance commercial property and generate income by renting out the property.
Commercial mortgages are complex. They require specialist advice and lending. Due to their complex and bespoke nature, there are no pre-packaged ‘off-the-shelf’ options.
High-street lenders cater to the wider market and due to this scale, they can offer competitive rates. Individuals may find these lenders lack the flexibility required for their needs, though they only represent a small percentage of the lending available.
Specialist lenders generally concentrate their business towards specialist lending including commercial mortgages, compared to high street lenders who cater for a wider range of customers. Private banks and specialist providers may offer a higher degree of flexibility in their lending criteria.
As a specialist mortgage broker, our consultants will help tailor your mortgage to your needs, budget, building and business type, as well as open the doors to private banks and specialist lenders who can offer more flexible solutions and better rates than high street banks.
As a specialist independent, whole-of-market mortgage broker, we have the industry expertise and commercial lender connections to tailor the right commercial mortgage solution for you.
Relationships in the commercial mortgage market are key – many commercial lenders only communicate through a broker or intermediary such as Private Finance. Using our strong lender ties and industry expertise, we pair you to the most suitable lender, opening the doors to better rates and terms.
We believe in holistic mortgage advice that considers both your personal circumstances and also the broader financial markets. To achieve this, we partner with wealth advisers and accountants to draw on their expertise when needed to provide excellent commercial mortgage advice for our clients.
With an average rating of 4.97 out of 5 from more than 1,800 reviews, we offer an outstanding client experience. We insulate you from the rigmarole of the mortgage process so that you can stay focussed on your investments.
We invite you to get in touch via a free, no-obligation initial consultation.
