Commercial Mortgages

Taking out a commercial mortgage could be the right answer for any business owner looking to buy a new building or release equity from an existing one.

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Investing in a property for your business can be a costly endeavour; a commercial mortgage can help you manage those costs. The minimum amount you can borrow for a commercial mortgage is £25,000, with term lengths being anywhere from 1 to 25 years.

Depending on the lender, you'll have access to both variable rate mortgages and fixed-rate mortgages. A fixed-rate allows for your interest-rate to remain the same for the chosen period of time, helping to keep your mortgage payments consistent for the duration.

Variable rates will usually follow the Bank of England base rate, meaning there is a chance your interest could go up or down. With this, you'll benefit from interest-rate drops, but also have to pay more if interest-rates go up.

Our dedicated team of expert mortgage advisors will guide you through every step of the mortgage process, working hard to make sure they find you the best product available to you and your company.

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Commercial mortgages for various different business scenarios.

There are two main types of commercial mortgage available out there to business owners. What mortgage you go for entirely depends on what you are looking to achieve.

The first of these is owner-occupied, a commercial mortgage type that allows business owners to either purchase the premises they are currently renting from the current building owners, or to purchase a new premises. In addition to this, you may be a growing business requiring multiple premises.

The second of these types is commercial buy-to-let. Similar to regular buy-to-let purchases, you may be looking to purchase a warehouse, high street building or a plot of land to rent out to another business. There's a lot to look at with a commercial buy-to-let, as it is generally harder to rent out these than residential properties.

In most cases, you'll find that you may have access to a higher loan-to-value when taking out an owner-occupied mortgage, than you would when taking out a commercial buy-to-let mortgage, likely due to the risk involved.

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Popular FAQs

What is a commercial mortgage?

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A commercial mortgage is similar to a personal mortgage that you would take out on your home, however, these are used by business owners who are perhaps looking to purchase either a commercial property or some land, with the intention of using it commercially.

Popular options for taking out a commercial mortgage include business expansion, cutting rental costs, using a limited company as a means of building a residential buy-to-let property portfolio and building a commercial buy-to-let property portfolio, allowing you to rent out space to other businesses.

How much deposit do I need for a commercial mortgage?

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Typically speaking, you will be required to put down a minimum of 25% deposit, though it is entirely possible that a lender will ask you to put down more. Ideally, the more deposit that you can afford to put down, the better off you will be. This is because a lower LTV (loan to value) will give you access to much better interest rates.

Why use a mortgage broker for a commercial mortgage?

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Because of the complexity involved with commercial mortgages, as well as the regulated products on the market, you'll typically require much higher deposits than you would need on a residential mortgages.

Having mortgage experts like us by your side can take the weight off your shoulders, allowing for a more streamlined service and reducing the risk of having your credit rating affected if you were to be rejected multiple times by different banks or lenders.

Can I purchase a buy-to-let property through my limited company?

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If you are a professional looking to make an investment in the buy-to-let market and already have a large number of properties in your portfolio, you may have the option to set up a limited company to make the purchase through.

This limited company (referred to as a special purpose vehicle, or SPV for short) can only be set up with the sole purpose of managing your properties. You cannot use an existing limited company, say if you had a plumbing business to your name, as a means of achieving this.

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No upfront fees payable, we are paid on results only.

You'll get your own dedicated case manager.

You'll always know who you are dealing with.

We're on your side, we work for you.

Getting a new mortgage or porting an existing mortgage isn’t always easy. We’ll be here to answer all your questions throughout the whole process.

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Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.

1000s of potential options.

We shop around for the cheapest deal for you, saving you time and money.

We're experienced and knowledgeable.

There isn't a situation we haven't come across before, we fully understand your needs.

It's not just about the mortgage.

We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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