There are two types of commercial mortgage - a business mortgage and a commercial investment mortgage and our brokers can help you source both. We really understand the market and know when to approach a high street bank or a specialist lender for you commercial mortgage requirements.
Currently the high street lenders are offering some good rates for borrowers looking for 50% LTV or less on a repayment basis. However, you'll have to have a squeaky clean credit rating and be prepared to be patient because it can take while to get a response from their credit departments. They'll also want your business banking too.
Commercial mortgages from the specialist lenders tend to be priced higher but they don't want your business banking, will offer some interest-only payment terms and they'll lend up to 75% LTV.
In terms of industry sectors we can source commercial mortgage finance for:
- Leisure property mortgages including:
Mortgages for restaurants
Mortgages for pubs
Mortgages for cafes
Mortgages for bars
Mortgages for hotels
Mortgages for B&Bs
Mortgages for guesthouses
Mortgages for golf clubs
Mortgages for nightclubs
Mortgages for casinos
Mortgages for healthclubs
Mortgages for spas
Mortgages for sports and leisure facilities
- Semi commercial mortgages including:
Mortgages for shops with flats above
Mortgages for offices with flats above
Mortgages for hotels with owners' accommodation
- Retail commercial property investment including:
- Office property mortgages including:
Mortgages for offices blocks
Mortgages for offices above shops
- Industrial property mortgages including:
Mortgages for light industrial units
Mortgages for industrial parks
Mortgages for warehouses
Mortgages for factories
Mortgages for storage facilities
- Care home mortgages including:
Mortgages for nursing homes
Mortgages for rest homes for the elderly
Mortgages for hospices
Mortgages for convalescent homes
- Professional property mortgages
Mortgages for vetinary surgeries
Mortgages for doctors' surgeries
Mortgages for chambers
Mortgages for private schools
Mortgages for childcare nurseries
- Agricultural mortgages
Mortgages for farms
Mortgages for farm buildings
Mortgages for farm land
Whether buying commercial property for investment or trading purposes, the list of property types is endless. For more specific help and to talk through the commercial mortgage options, call our team of expert advisers today.
If you would like to apply for a mortgage then you can do so by clicking on our commercial mortgage application form and filling out the information requested. All our mortgage lenders accept this simplified bespoke form so we can deal with your application quickly and easily.
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