Our commercial mortgages UK solutions support commercial and mixed-use property purchases, refinancing, and investment opportunities. Funding is assessed on the property, business strength, and borrowing purpose.
A commercial mortgage is hardly a one-size-fits-all product. A mixed-use building with flats over a shop, an owner-occupied unit, or a buy-to-let investment portfolio all have different risk profiles - and lenders price and structure them differently accordingly.
We pass through the property, the funding requirement and the project profile in general before we go to lenders and so the application is presented to the correct lender the first time and not molded by experimentation along the way.
It covers owner-occupied trading premises, semi-commercial and mixed-use buildings, and commercial investment purchases, both on repayment and interest-only basis.
Commercial mortgage lending is a significantly broader area than residential. Here's where it's most commonly used.
Buy or refinance the building in which a trading business is based, but which is organized around company accounts.
Commercial units with residential space combined and valued and lent against on a blended basis.
Buying retail, office or industrial property on commercial leases which is tenanted.
Refinancing or reorganizing lending on an existing commercial or semi-commercial portfolio.
A structured route from enquiry to completion.
Share the property, business or investment purpose and figures; we confirm what's achievable in principle.
Terms are sourced from lenders suited to the property type and applicant profile.
Accounts, covenants and security are all underwritten and tested by valuation.
Drawdown is done in parallel with formal offer and legal work being done.
Tell us about the property and the business behind it, and we'll come back with a clear, honest view of what's achievable.
Speak to an adviser