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*Commercial Mortgages are also known as Business Mortgages
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A loan secured against a commercial property. It can be used to purchase new premises or remortgage an existing property to raise finance for your business.
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To fund the purchase of various types of property, from fully commercial premises to mixed-use (those that have both commercial and residential spaces) and even plots of land. There are two main types:
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These are also know as also known as Owner Occupier Mortgages or Trading Mortgages. If you rent the premises from which your business operates, it could help you buy a property. Many business owners choose to purchase their premises through a separate holding company or Special Purpose Vehicle (SPV) to limit risk to their business or as an investment. There could also be tax advantages to this approach – though it’s important to speak with a tax advisor before making any decisions.
They are usually offered on a capital repayment basis and require a deposit that’s 25%-35% of the property’s purchase price.
*Projections may be accepted from new businesses
When setting the rate, lenders typically consider:
Please be aware each lender has their own pricing structure and methods for calculating mortgage rates.
These are also known as Commercial Investment Mortgages. Most lenders offer up to 75% of the property’s value (loan-to-value or LTV). There are various mortgage options available for purely commercial properties or mixed-use properties. It’s also possible for one property title to have multiple usage classes. It’s common practice to borrow on an interest-only basis, however capital repayment is an option. There are fixed and variable rate products available.
You can choose to take out a Commercial Investment Mortgage in your own name or through a Special Purpose Vehicle (SPV).
*Some lenders offer mortgages for vacant commercial properties, but these are less common and often have stricter requirements
Interest rates are an important consideration, but not the only one. Our advisors will discuss terms, deposits, fees and potential risks with you to ensure you get the best deal overall.
Our advisors’ recommendations are always provided independently and in the best interests of their clients.
Some high street lenders offer Commercial mortgages but they’re only a small proportion of the options available. Many providers work exclusively through brokers. By working with us, you could unlock more competitive rates and better deals.
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