Capital Finance Group
Commercial Mortgage
A commercial mortgage is a long-term loan secured against property used for business purposes. Whether you are buying the premises you trade from, purchasing a commercial building to let out, or refinancing an existing facility onto better terms, it gives you a structured way to own property rather than paying rent indefinitely.
Speak to a Business Finance SpecialistCommercial Mortgage
We take time to understand how your business trades and what you want the property to do for you, then present your case to lenders whose criteria suit it. That includes mainstream banks and specialist lenders who may consider newer businesses or more unusual property types.
Who it suits
- Owner-occupiers buying offices, warehouses, workshops, shops or surgeries
- Businesses that want to stop renting and build equity in their premises
- Investors purchasing commercial or semi-commercial property
- Borrowers looking to refinance, release equity or consolidate existing borrowing
- Limited companies, LLPs, partnerships and sole traders
How it works
- Terms are typically longer than other business borrowing, often up to 25 years depending on the lender
- Loan-to-value levels are commonly in the region of 60% to 75%, depending on the property, sector and trading strength
- Repayment, interest-only or part-and-part structures may be available
- Fixed and variable rate options can help you plan around your cash flow
- For owner-occupiers, lenders focus closely on business accounts and affordability; for investment property, rental income and tenant quality carry more weight
Things to consider
- The loan is secured on the property, which may be repossessed if repayments are not maintained
- Lenders often ask directors or shareholders for personal guarantees
- Expect valuation, legal and arrangement fees, and possibly early repayment charges
- A deposit is usually required, and the strength of your accounts will shape the terms offered
Thinking about buying or refinancing business premises? Speak to an expert and we will review your options across our panel of lenders.
Finance is subject to status and lender criteria.
Interested in Commercial Mortgage?
Thinking about buying or refinancing business premises? Speak to an expert and we will review your options across our panel of lenders.
Speak to a Business Finance Specialist