Commercial Investment Mortgage
Add commercial property to your investment strategy.
What types of property can I buy using a commercial mortgage?
If you are looking to buy a commercial premises that you wish to rent to a third party business then you need a commercial investment mortgage. A commercial mortgage is similar to a residential mortgage on the basis that it is a loan paid over a period of time in order to own the property. The assessment of the affordability is based on the lease income, the term of the lease and in some instances the strength of the leasee (occupier).
Commercial Investment Mortgage FAQs
How long can I borrow for?
Commercial mortgages can go up to 25 years, however most lenders prefer shorter terms, usually below 20 years.
How much can I borrow?
The mount you can borrow is capped by either the maximum Loan to Value (LTV) or whether the rental income services the loan by a set margin. For the right proposal there is no upper limit outside of this.
Can I have interest only?
Yes you can.
Why work with us?
Commercial investment mortgages can be complex on the basis that the properties are often unique. Understanding the nuances with commercial property and how best to present your case to the lender is why we have such a high success rate in our applications. We will take the time to understand what you are trying to achieve, any issues that may be present in the transaction and help identify ways to mitigate those risks. Let us take the stress out of commercial property.