Commercial Mortgages

Commercial Mortgage

A commercial mortgage is a loan secured on commercial property as opposed to a residential property. You may require a commercial mortgage because you are looking to run your own business from the property, e.g., you could be a pharmacist looking to run your own pharmacy shop. Alternatively, you’re simply buying a commercial property as an investment, e.g., you purchase a large retail outlet and rent it out to a corporate tenant.

As with all mortgage loans, the lender needs to know how the mortgage will be serviced on a monthly basis over the term of the loan. If you are looking to run a business (owner occupiers), then the lender will need to see your last three years’ trading business figures to ascertain if you’ll be able to service the loan going forward. Likewise, if you’re buying a property as an investment, they will need to know the estimated monthly rental income, the type of tenant or business currently occupying the premises, and the duration of their current lease.

There isn’t a best buy commercial table per se. The lender analyses your business in detail, weighing up the risks, and then provides a rate based on the quality of the business. If it’s a business that has very good trading figures, strong positive cash flows going forward, and a low LTV, then the lenders will pull out all the stops to make you a client of the bank with a decent rate to suit.

 

Commercial Sectors There are different types of commercial mortgages covering a wide variety of properties across different business sectors. The most common are:

Professional Practices: If there is a group of people where mortgage finance is readily accessible compared to the rest of the population, it’s with the professionals. Banks are keen to provide commercial mortgages to the following professional groups looking to set up their own practice:

  • Dental practice
  • Doctors surgery
  • Pharmacy practice
  • Opticians
  • Veterinary surgery
  • Accountancy practice
  • Solicitors practice

 

Hospitality and Leisure

  • Bed & Breakfast
  • Hotels
  • Bars
  • Cafe
  • Fitness Centre
  • Restaurant
  • Pubs
  • Holiday Home
  • Health Farms
  • Nightclubs

 

Health Care

  • Care Homes
  • Nursing Homes

 

Agricultural sector

  • Farm buildings
  • Agricultural land

 

Commercial Buildings

  • Retail shops
  • Offices
  • Industrial units
  • Warehouses
  • Shopping malls

 

Residential Investment property

  • Large property portfolios
  • Semi commercial buildings— flats above shops on one freehold title
  • HMOs

 

Financing for Churches and Schools can also be considered.

 

Commercial Help Desk

If you are looking to purchase or refinance a commercial property, typically your bank is your first port of call in establishing how much you can borrow and your monthly costs. For a second opinion, our commercial help desk comprises some of the finest commercial mortgage brains in the UK. The vast majority of our commercial brokers are former bank managers with access to all the main high street banks and niche commercial lenders. Most importantly, as a result of their daily contact with these lenders, they have acquired tremendous knowledge of each lender’s criteria and their particular appetite to lend to certain types of businesses. As such, they will be able to provide a quick and honest assessment of your commercial mortgage options with indicative rates, costs, and set up fees.  

 

Commercial Lenders

The main commercial lenders they deal with are:

  • Santander
  • Natwest
  • Lloyds
  • Barclays
  • RBS
  • Norwich & Peterborough
  • Aldermore Bank
  • Clydesdale Bank
  • Shawbrook Bank
  • Lancashire Mortgage Corporation
  • Private Banks: High Net Worth clients
  • Niche lenders: Experienced brokers have access to underwriters and niche lenders that adopt a lateral thinking approach to lending and if the case makes sense to the underwriter or Credit Committee, they’ll do the deal

 

 

Mortgageintellectual.com is not recommending that you invest in any specific property. You must conduct your own due diligence before investing in property or a crowdfunding platform. Property prices can rise and fall in value and past performance of the UK property market is no guarantee to future performance.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The Financial Conduct Authority does not regulate most types of buy to let mortgages, bridging loans and commercial loans.

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