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Trading Business

Commercial mortgages are typically used to buy business premises, or to buy an existing business in its entirety. They’re different from residential mortgages in that deposit requirements are usually higher, as are the rates on offer, which makes it vital to understand the market – and to get a good deal at the end of it.

Commercial mortgages in the UK are designed for businesses and business owners. They’re the next step up from business loans, used in situations where you want to buy a commercial property and are seeking a substantial loan to do so. Typically, business loans of up to £25,000 are unsecured, but for larger amounts lenders will want some form of security, hence where the ‘mortgage’ element of the loan comes in. However, because of the administrative costs involved, you’ll usually only be able to borrow £50,000 or more, and some lenders have a minimum lending limit of £75,000.

Bear in mind that, whichever kind of mortgage you’re after, you probably won’t be able to buy the property in full by using this kind of loan. Mortgages for business generally require a deposit of around 25% to 40%, but in some cases you may be able use another property as security, provided you have considerable equity in it. Most commercial mortgage rates are variable and you’ll be able to choose from a range of terms, typically from three years to as long as 40 years, but 15-30 year terms are generally more common. Shorter term commercial property finance is also available, but this is more commonly referred to as a property development or bridging loan.

 

How can we help?

If you’re looking to  own your business premises, you’ve come to the right place.  Whether you’re acting alone, you’re a limited company or a business owner, our team of experts will work with you to find a funding solution that suits your needs.

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Testimonials

Doing a good job is important to us, so we’re always delighted to receive positive feedback from our customers.

Here’s what some of them have been saying about us recently.

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Mrs T

“I have been referred to Chris my a professional network and I am extremely glad I have! They have assisted me in getting the best mortgage and I couldn’t be happier with their services and professionalism. I would highly recommend the entire team to anyone wishing to seek advice in this area!”

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Mr B

“From Start to Finish all the team at CAPC were helpful and delivered a very professional service, with regular updates on the status of our application and good advice on the options which were available, a great service which I would recommend Thanks Again.”

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Mr C

“CAPC were excellent in sorting my Mortgage in tight timescales. The team managed the process from start to finish and provided confidence that they could develop a great solution. They sourced a cheaper and better product with the added benefit of an offset. I would recommend their services to others.”

Contact our expert advisers now

Call free from landline or mobile

01789201914

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

CAPC is a trading name of Christopher Allen Private Clients Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Christopher Allen Private Clients Limited. Registered Office: 3 The Courtyard, Timothy’s Bridge Road, Stratford-upon-Avon, Warwickshire CV37 9NP. Registered in England Number: 08820469

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