A commercial mortgage is any loan secured on property which is not your residence. Buy to let mortgages are a special type of high volume commercial mortgage which is packaged for a volume market. But since almost every other kind of premises are different, each loan has to be assessed individually and priced according to the risk

Commercial Property Mortgages​

  • Commercial and Semi-Commercial mortgages are applied to any property which does not have a full residential use e.g. a retail unit with a flat above.
  • Commercial mortgages can typically be applied over 3 to 30 year terms at loan to values up to 80%.
  • The rates charged for commercial mortgages are not predetermined. In each case the deal will be assessed for risk level and this can vary the rate. Larger loans with low risk will attract the best rates.

Real Estate

Buy to let and Portfolio Mortgages

  • A buy-to-let mortgage works differently to a residential mortgage on a property you’re planning to live in.​
  • Landlords with a buy-to-let mortgage usually expect their monthly mortgage payments to be covered by the rent they receive. But some months there may be problems with rent collection, and other months there might not be any tenants living in the house and paying rent.​
  • Loan to values will vary according to risk and lender availability but can be up to 85% of the property value. This would be available over terms from 3 to 30 years.

Business Owner Occupied mortgages

  • Business mortgages (also known as commercial mortgages for owner-occupiers) are designed for individuals and companies purchasing or remortgaging a property to be used as a business premises. Business mortgages are also available on mixed use properties, i.e. part commercial, part residential such as shops with flats above.
  • Unlike buy to let and commercially rented mortgages the affordability for these mortgages will be based on your trading accounts.
  • These mortgages are subject to risk and are therefore generally available for up to 75% loan to value. Again these are generally made available over 5 to 30 years.

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