Professional Mortgage Advice

Please note: We will refer you to a third party to discuss commercial mortgage services as ‘our third party’.

Commercial Mortgages

Commercial mortgages are arranged for the purpose of purchasing or re-mortgaging property that is primarily for commercial or business use and can be arranged for as a form of investment (commercial buy to let) or for a business to trade from.

There are two types of commercial mortgage: an owner occupier mortgage for trading premises and a commercial investment mortgage for those looking to invest in commercial property. We can help you look at both.

Owner Occupied Commercial Mortgage

An Owner Occupied business mortgage is where an applicant is looking to purchase a property to run their business from.

Owner-Occupied Commercial Mortgages are looked at more favorably than investment mortgages because the lenders feel there is less risk with this type of mortgage.

An advantage of owner occupied commercial mortgages is that the rates that lenders charge are often considerably lower and the terms of the commercial mortgages can be longer if required. Interest rates can be fixed or variable.

Benefits of owner occupied commercial mortgages

An owner occupied commercial mortgage will put you in control, putting an end to unwanted charges or price hikes form a landlord; especially if you have a fixed rate mortgage.

The general trend of property values is to go up, of course there is no guarantee.

Interest repayments on an owner-occupied commercial mortgage are tax deductible.

A mortgage is a loan secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.

The Financial Conduct Authority does not regulate commercial mortgages.