Business
Commercial mortgages
Whether you are buying your own premises, refinancing, or investing in commercial or semi-commercial property, we help you find the right lender and structure. Use the calculator below for an indication of repayments.
What we arrange
- Owner-occupied premises (offices, shops, workshops, surgeries)
- Commercial and semi-commercial investment property
- Refinancing and capital raising
- Portfolio and limited company buy-to-let lending
- Bridging finance for time-critical purchases
How lenders assess you
Lenders look at the strength of the business or the rental income, the property itself, your experience and the deposit. Typical maximum loan to value is lower than for a home, often 60 to 75 percent, and rates are usually priced as a margin above Bank Rate.
Important information
Most commercial mortgages and business loans are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Talk to an adviser
Book your free first meeting
No obligation. We’ll listen, explain your options and only recommend what’s right for you.
Calculator
Commercial mortgage calculator
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Business insurance & protection
Relevant life, key person and director share purchase cover to protect your people and your company.
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Free tools
Try our free tools
Commercial property valuation
An indicative value for offices, shops and industrial units, with the finance options.
Try it free
Bridging loan calculator
Estimate the gross loan, interest, fees and total cost of a bridging loan.
Try it free
Business protection gap check
Shareholder, key person and loan protection your company may need.
Try it free
Q&A
Questions & answers
How much deposit do I need for a commercial mortgage?
Typically 25 to 40 percent of the property value, depending on the property type, the business and the lender.
How long can a commercial mortgage last?
Terms are often between 3 and 25 years, sometimes up to 30 years for owner-occupiers.
Are commercial mortgage rates higher than residential rates?
Usually yes. Commercial lending is priced on the risk of the business and the property, and rates are often set as a margin above Bank Rate.
Can I buy commercial property through my pension?
In many cases, yes. A SIPP or small self-administered scheme (SSAS) can buy commercial property, including your own business premises, which then pays rent to the pension.
Your first meeting is free
Talk to an independent financial adviser in St Albans. Call 01727 223251 or send us a message.