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Welcome to our commercial property finance page, where we provide tailored solutions to fund your commercial property ventures. Whether you're looking to purchase, refinance, or develop a commercial property, our team of experienced finance specialists can provide you with a range of options and competitive rates to suit your specific needs. With our extensive network of lenders and providers, we can help you navigate the complex world of commercial property finance, enabling you to make informed decisions about your investments.

Buy to let  Mortgages

WE SPECIALISE IN SOURCING MORTGAGE FINANCE ON BUY TO LET PROPERTY TRANSACTIONS IN THE UK

A buy-to-let mortgage is a specialised type of mortgage designed for individuals or investors who want to purchase residential properties with the intention of renting them out to tenants. Unlike a standard residential mortgage, which is intended for homeowners who will occupy the property themselves, a buy-to-let mortgage is tailored for those who plan to generate rental income from the property. These mortgages are offered by various financial institutions, including banks and building societies, and they typically have specific terms and conditions that reflect the unique nature of property investment.


When applying for a buy-to-let mortgage, lenders assess the potential rental income the property is likely to generate, alongside the borrower's financial stability. The loan amount and interest rates may be determined based on these factors, and lenders often require a larger deposit compared to regular residential mortgages. Additionally, it's important for borrowers to consider the costs associated with property maintenance, management, and potential periods of vacancy. Buy-to-let mortgages provide a means for individuals to enter the property investment market and potentially build a source of passive income through rental returns.

We provide high-quality mortgage solutions for UK and international clients.

  • Mortgage finance from £35,000
  • AVM’s available 
  • Market leading rates
  • Access to high street, private & specialist bank mortgage deals
  • Up to 80% loan to value (buy to let mortgages)
  • Large interest only mortgage, interest roll-up and offset mortgage options
  • 2nd charge mortgage options
  • Revolving mortgage options - unlock the equity in your main home & access funds whenever you need to
  • Solutions for UK expats (including seafarers), non-dom & foreign nationals buying or remortgaging UK property
  • Investment mortgages for buy to let, HMO, Multi Unit, Air BnBs and Portfolio landlord refinanceNew Paragraph

Commercial Mortgages

WE HAVE EXTENSIVE EXPERIENCE IN SOURCING COMMERCIAL FINANCE FOR PROPERTY & ASSET TRANSACTIONS IN THE UK

Commercial mortgages are loans that are secured by a commercial property or multiple commercial properties. They are specifically designed for businesses or property investors who require finance to purchase or refinance property. Unlike residential mortgages, commercial mortgages have different underwriting criteria, longer loan terms, and usually require higher down payments. 

 

Commercial mortgages come in several forms, including fixed-rate mortgages, adjustable-rate mortgages, balloon mortgages, and interest-only mortgages. The interest rates on commercial mortgages are typically higher than residential mortgages since commercial properties usually pose a higher risk due to market volatility and uncertain cash flows.

 

Commercial mortgages are typically used to finance the purchase or refinance of commercial properties such as retail stores, restaurants, offices, or warehouses. Compared to other types of financing, commercial mortgages offer relatively low-interest rates, longer loan terms, and flexible payment options.

As a specialist commercial finance broker, we provide high-quality commercial finance solutions for our clients.

  • Market-leading rates for short-term finance & long-term commercial mortgages
  • Funding solutions for property, large machine & asset purchases or refinance
  • Up to 75% Loan To Value (up to 80% for select sectors)
  • From £50,000 to £25 million
  • Terms from 3 months to 30 years
  • Interest roll-up options
  • Same-day agreement in principle
  • We can accept applications from individuals, limited companies, SPVs and offshore structures
  • We are independent and have strong relationships with many high street commercial lenders as well as private banks, wealth managers and specialist lenders that are not accessible by individual customer approach
  • We can source cost-effective business loans and merchant cash advances to help businesses with cash flow
  • Bridging finance for business purposes
  • Business finance for residential, commercial and mixed-use, including retail outlets, restaurants, cafes, guest houses and B&Bs, Airbnb businesses, offices, warehouses, industrial units, factories, HMOs, nursing and care homes, investment properties, land development and buy-to-let property (portfolios and limited companies welcome), and working capital for business expansion and VAT loans

Finance FAQs

See below some common questions and answers below, or call us at 03332 423 447

  • What types of commercial properties qualify for financing?

    Most types of commercial properties such as offices, warehouses, retail buildings, and multifamily units can be financed, as long as they generate reliable income.

  • How does the loan-to-value ratio (LTV) affect financing?

    LTV ratio directly impacts how much finance a client can secure. Higher LTV ratios indicate higher risk for lenders, which usually translates to higher interest rates.

  • How is the interest rate calculated for commercial property loans?

    The interest rate for commercial property loans is calculated based on several factors, including the borrower’s creditworthiness, the property’s location and condition, loan term, and the size of down payment.

  • How much down payment is required for commercial property financing?

    Some lenders may require down payments as low as 10%, while others may require up to 40%. The down payment amount required depends on the type of property and the borrower's creditworthiness

  • What are the advantages of using a commercial property finance broker?

    A commercial property finance broker can help borrowers navigate the complex process of securing finance, negotiate more favourable loan terms, access a wider range of lenders and provide expertise on the market.

  • What are the typical loan terms for commercial property loans?

    The loan term for commercial property loans can range from one year (short-term) to 30 years (long-term). However, most commercial property loans range between 5-15 years.

  • What are the usual fees associated with commercial property loans?

    Fees include origination fees, appraisal fees, credit report fees, and legal fees, and other costs that vary depends on the type of loan, terms, and location.

  • Can first-time buyers get commercial property loans?

    Yes, first-time buyers can get commercial property loans, but some conditions might apply, such as higher interest rates, bigger down payments or lower LTV ratios.

  • What documentation is required to apply for commercial property financing?

    Generally, lenders require proof of income, business or personal tax returns, a detailed financial statement, and property details such as title deeds, leasehold agreements, and appraisal reports.

  • How long does it take to secure commercial property financing?

    Depending on the lender, securing commercial property financing can take anywhere from 2-4 weeks to several months.