Commercial Mortgages for Owner-Occupiers and Investors
Whether you're buying property for your business or as an investment, securing the right commercial mortgage is crucial. There are two main types: Owner-Occupier Mortgages and Commercial Investment Mortgages, each designed to meet specific needs.
Owner-Occupier Commercial Mortgages
Ideal for businesses using the property as their main base of operations.
Key Features:
- Usage: Primarily for your business, with potential to rent unused space.
- Loan-to-Value (LTV): Typically 65-75% of the property value, with a deposit requirement of 25-35%.
- Repayment Terms: 5 to 30 years, with options for fixed or variable interest rates.
- Eligibility: Lenders assess your business's financial health and credit history
Commercial Investment Mortgages
Designed for those purchasing property as an investment to generate rental income.
Key Features:
- Usage: Property rented out to tenants.
- Loan-to-Value (LTV): Typically 60-75%, with possible 100% financing if additional security is provided.
- Repayment Terms: 5 to 30 years, with flexible interest rate options.
- Eligibility: Lenders assess potential rental income and tenant quality.
Key Considerations
- Interest Rates: Fixed or variable, depending on your preference.
- Fees: Expect arrangement, valuation, and legal fees.
- Personal Guarantees: May be required, especially for new or smaller businesses.
Suitable for a Wide Range of Business Sectors, Including but Not Limited to:
Retail, warehouses, offices, semi-commercial units, care homes, GP/dentist practices, hotels, factories, and more.
Brooklyns Specialist Finance, our sister company, offers access to a vast array of bridging, commercial, and development finance options. Take advantage of the opportunity to compare loans from over 120+ lenders in just a few seconds.
Commercial Mortgages services are referred to a third party. Neither Brooklyns Financial Ltd or PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.
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