Skip to main content

Commercial Mortgages

Commercial Mortgages

Commercial mortgages are arranged for the purpose of purchasing or refinancing property that is primarily used for commercial or business purposes. This loan can be used as an investment (commercial buy to let) or to run a business from.

An owner occupier mortgage for trade premises, and a commercial investment mortgage for people wishing to invest in commercial property are the two types of commercial mortgages available. We can assist you in evaluating both of these mortgages.

Based on your requirements, circumstances, and preferences, we strive to find the best commercial mortgages for both investors and business owners. So, contact us today and let us assist you.

Owner occupied commercial mortgage

An Owner occupied business mortgage is for anyone who wants to purchase a property to run their business from.

Lenders look at owner-occupied commercial mortgages more favourably than investment mortgages because they believe there is less risk involved. On an owner-occupied commercial mortgage, lenders will typically issue a standard loan to value of roughly 70-75 percent LTV.

The rates charged by lenders for owner-occupied commercial mortgages are often considerably lower, and the durations of the commercial mortgages can be extended if necessary. Fixed or variable interest rates are available.

Benefits of owner occupied commercial mortgages

An owner-occupied commercial mortgage puts you in control, eliminating unwanted charges or price hikes from your landlord, especially if you have a fixed-rate mortgage.

The general trend of property values is to go up. Of course, however, there is no guarantee.

Interest repayments on an owner occupied commercial mortgage are tax deductible.

Whether you’re considering a commercial mortgage as a business or an investor, we can make the application for you and ensure that your loan application is presented in the format the lender prefers.

Development loans

A development loan can help you get your project off the ground.

We aim to assist property developers in obtaining the appropriate financing, including funding for new construction projects, redevelopments, significant renovations, and general refurbishments. Allow us to assist you with your household project.

Property development financing has no set rates. This is where we can help. We have access to a wide selection of mortgages from a variety of lenders, and we collaborate with property development lenders and other master brokers to coordinate the entire mortgage process and locate the best mortgage for your needs.

Development funding without full planning consent can be very difficult to secure, so unless you are highly experienced and have completed a number of development projects. Before seeking finance, it is vital to finalise planning consents and have all relevant documentation available to show your lender.

A mortgage is a loan secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The Financial Conduct Authority does not regulate commercial mortgages.

Commercial Mortgages Articles & Insights

Latest Insights & Articles From Our Brokers

All the latest breaking news on Mortgages. Browse The Gordon Blair Financial Services complete collection of articles on Mortgages.