Retail – Commercial property investment

There’s likely to come a time when you consider replacing the uncertainty of renting with the stability of owning your premises, this is the time we can help.  We can also help if you’re an investor considering purchasing a shop unit.

We’re well equipped to deal with your vast and diverse range of commercial mortgage needs if you’re purchasing a retail premises as a company or sole trader.  We’ve significant experience in dealing with everything from small newsagent purchases for sole traders to large retail complexes for large companies.

The majority of our consultant team is made up of ex bank managers who are well used to dealing with retail commercial mortgages, from multi million pound propositions in central London to smaller sole traders making their first small steps into owning their premises.

The maximum loan to property value for a retail commercial property purchase will be between 70% and 75%.  However this loan to value will be affected by the business trading performance and your own personal experience in running a retail business.  Similarly the mortgage headline interest rate will be affected by these variables and the rate will typically vary from Bank Base Rate + 2.5% to 4%.  Evidence of trading accounts and a business proposal will be needed in order to secure competitive funding.

For the retail property investor the mortgage rate and terms will be determined by the strength of the retail tenant who is occupying the property.

We look forward to discussing your retail mortgage needs with you.