Guide to Commercial Mortgages


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Why choose a Guide to Commercial Mortgages

See if this is the right business loan for you

  • Unsecured business loans of up to £250,000 for terms up to five years are available
  • Secured business loans of up to several million are subject to asset quality, credit checks and LTV
  • You must be an established business, usually with two years trading history
  • The business must have clean credit, no CCJs or recent defaults
If known, please provide the address of the property to be mortgaged. (Optional)

Frequently Asked Questions

Frequently Asked Questions

How much can I borrow?    

Typically we can get Commercial Mortages at up to 75% LTV so we will require you to have at least a 25% deposit. 

Is there any chance to get a 100% LTV Commercial Mortgage?    

A 100% LTV is possible but we would need you to offer some additional security (i.e. another property).

Can I still get a Commercial Mortgage if I have adverse credit?    

Yes, though if it is very severe then probably not.

Can I get funding for a HMO (House of Multiple Occupancy)?    

Yes, we have many lenders prepared to lend to HMOs.

Can I borrow to buy a Leasehold (not Freehold) premises?    

Yes but there needs to be a long lease on the property, typically in excess of 40 years.

Can I get a second charge commercial mortgage?    

Absolutely yes; there are many lenders that will do this. In fact we can even get you a 3rd or 4th charge if there is sufficient equity in the property.

Can I get a Non-Status Commercial Mortgage?    

Yes, but the maximum LTV is 70%

What are the fees to get a Commercial Mortgage?    

If you decide to use us to arrange your mortgage there is no fee to get a quote but you will be charged you 1% of the loan amount (minimum £999) if you proceed with the application and get a formal loan offer. It is also normal that you pay the lender’s legal as well as valuation fees and there may also be an arrangement fee from the lender. However, lenders do deals from time to time where some or all of these expenses are removed so we monitor these options and can advise you where the best deal is.

Why should I use a Commercial Mortgage broker?    

You can do all this yourself, of course, but we can a) save you time by knowing which lender will give you the best deal; b) avoid complications later in the deal by presenting the information to that lender in the manner that makes them most likely to lend; and c) we can guide you through the process and make sure you compete the finance as efficiently as possible.

By cutting out the middleman, these types of peer-to-peer business loans can often be achieved at a cheaper rate. To qualify for crowdfunding, your business must be profitable and prove you are able to make repayments.

Crowdfunders look at historical data and won't lend against projections.

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