Commercial Property Mortgages

Commercial Mortgages are available at attractive rates and flexible loan terms for business owners looking to buy or to refinance commercial property.
The types of property suitable for an “Owner Occupier” Commercial Mortgage are Offices, Shops, Industrial Units, Warehouses, Factories, Garages, Farms, Garden Centres and most other freehold commercial properties.
Existing tenants who are able to buy their own premises are very attractive to lenders with the full rental income used to demonstrate the ability to service the mortgage.
Business owners with existing commercial property who want to expand and buy a new business property are able to use their existing equity towards the purchase of the new property.
Some business owners prefer to keep commercial mortgages separate from their business banking arrangements and there are “stand alone” mortgages available for business premises.
It is also possible for the business owner to buy the property in their own name or an investment vehicle of their choice and to put a lease in place with their trading business especially if it is a limited company for additional protection of assets.
Self Invested Personal Pension Schemes can be used to buy the business with commercial mortgages to maximise the tax benefits or to unlock cash within a pension scheme.
Equity release for business investment is available.

• Loan size: £100 000 - £50 million
• Loan to Value - Up to 75% or Up to 100% with additional security.
• Term - Up to 30 years
• Interest Only, “Balloon Payment” and Capital and Interest.
• Interest Rate - BOE Base Rate, Libor, Fixed or Swap rate facilities.
• Borrower: Individuals, Partnership, Limited Liability Partnership, Limited Company, Offshore Company and Self Invested Personal Pension Schemes.