Property Finance
Own the premises you trade from
Purchase or refinance of business premises, assessed on trading accounts or rental income, over terms to 25 years.
- Facility
- £100,000 to £25m
- Term
- To 25 years
- LTV
- To 75% LTV
- Use
- Owner-occupier and investment
What it is
A commercial mortgage funds the purchase or refinance of business premises, whether you trade from them yourself or hold them as an investment. Lenders assess owner-occupiers on the affordability shown in trading accounts, and investment property on the rental income it produces. Semi-commercial property, with a retail unit below and flats above, sits across both.
The arithmetic often favours buying. A monthly repayment can sit close to the rent you already pay, with the asset moving onto your balance sheet instead of a landlord's. Refinancing existing commercial debt can release capital where the valuation supports it and the purpose is a business one, commonly for growth or to repay more expensive borrowing.
In Scotland
Several commercial lenders will not lend in Scotland at all, and those that do often price differently. Security is a standard security rather than an English legal charge, and the panel that will take it is narrower. That is a reason to use a broker with a Scottish panel rather than a comparison site that quietly assumes England and Wales.
Who it suits
- You rent your premises and the numbers now favour owning them.
- You are buying investment or semi-commercial property on its rental income.
- You want to refinance commercial debt to release capital for growth.
- You are buying premises into a pension through a SIPP or SSAS.
Tell us what you need to fund
Four quick details and Reece comes back within one working day.
How it works with us
Conversation
One call to understand the deal, the timescale and the exit. You get a straight read on whether it funds before anything else happens.
Terms
Indicative terms within 24 hours, with the cost stated in pounds and the trade-offs named, so you decide before an application goes in.
Lender selection
We place it with the lender on our panel of over 165 that fits the case, not the one that pays us the most. Where a product is wrong for you, we say so.
Drawdown
We manage valuation, legals and conditions through to drawdown, and stay your single point of contact until the funds land.
Common questions
Typically 25% to 30%, though owner-occupiers with strong trading figures can sometimes go higher on LTV.
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