SPECIALIST ADVICE
Commercial mortgages
Commercial mortgage terms are shaped by the property, business performance, tenant quality, lease and purpose of the loan. We package the transaction so lenders can understand both the asset and the people behind it.
Finance premises and commercial property
Commercial mortgage terms are shaped by the property, business performance, tenant quality, lease and purpose of the loan. We package the transaction so lenders can understand both the asset and the people behind it.
Owner-occupied
Purchase or refinance premises used by your own trading business.
Commercial investment
Finance property let to third-party businesses, subject to lease and tenant assessment.
Semi-commercial
Structure borrowing for mixed-use assets containing residential and commercial space.
Expansion
Explore eligible capital raising for acquisition, refurbishment or business growth.
Commercial mortgages FAQs
How much deposit is required?
Commercial loan-to-value limits vary considerably by property, sector, experience and lender.
Will the lender assess my business accounts?
For owner-occupied property, lenders commonly assess trading performance and ability to service the debt.
Are commercial mortgages FCA regulated?
Many are not regulated mortgage contracts. The regulatory position depends on the borrower, property and purpose and will be explained before you proceed.
YOUR SMART MORTGAGES CONTACT
Discuss your plans with the right adviser.
Aaron and John can assess commercial-property enquiries and the appropriate finance route.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Commercial mortgages, bridging finance and some buy-to-let arrangements are not regulated mortgage contracts. Smart Mortgages Limited is authorised and regulated by the FCA, reference 912358.