Commercial Property Mortgages
We have relationships with a wide range of commercial mortgage providers from high street banks through to very specialised lenders. With over 30 providers of long-term borrowing we are confident that we can secure you the best possible product for your commercial mortgage requirement.
✅ No upfront fees
✅ Fast agreement in principle
✅ Whole of market access
✅ We are able to accept applications from individuals, limited companies and SPV's
Commercial Mortgages for Business Occupation or Investment
If you are looking to purchase a Commercial Property for your own occupation, via a SIPP as a longer term investment or perhaps you wish to purchase a trading business or re-mortgage an existing property then speak to the experts within our team.
We will provide you ready access to over 30 major Commercial Mortgage Lenders very active in the market who will look to provide a Commercial Mortgage at competitive rates up to 30 year terms. We can provide both capital and interest repayment schemes or ‘easy start’ interest only options.
In order to assess your best Commercial Mortgage option we will need to understand more about your business and confirm the ability to repay the mortgage from business profits or other sources of income. In general terms we can offer mortgages up to 75% of the freehold / long leasehold value of the property or business being purchased.
We can also assist with a broad range of Buy To Let Mortgage products on both fixed and variable interest rates. If you are currently occupying a commercial property as a sitting tenant and running a profitable business then we can offer special rates and generally a higher loan to value – please call us for details.
✅ Pubs and Hotels
✅ Convenience stores
✅ Retail outlets
✅ Development Land
✅ HMO (houses in multiple occupancy)
✅ Nursing and care homes
✅ Industrial units
✅ Owner occupation commercial mortgages
✅ Investment purposes
✅ Residential portfolios and Individual buy to let
How Can Equinox Help?
Being directly regulated by the FCA we are genuinely whole of market with the ability to deal with those complex cases and those lenders that only take introductions from FCA regulated mortgage advisors. We are also accredited by The London Institute of Banking and Finance as a Certified Practitioner in Specialist Property Finance.
When we consider your lending requirement, we don’t just go onto a sourcing system, instead we use our product knowledge to make sure that you are getting the best and most appropriate deal available for you.
For assistance with obtaining your Commercial / Business Mortgage Facility and Buy To Let Mortgage at the best interest rates and terms please call us today to see how we can help or submit an enquiry and we will contact you.
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What is a Commercial Mortgage?
A commercial mortgage is a loan secured on a property that is not residential such as offices, retail or industrial units. However, they can be used to acquire 'mixed-use' properties with both residential and commercial elements.
Commercial mortgages are most often used by business owner occupiers who like to own the premises in which their business is based to avoid paying rent. A commercial mortgage can also be used by an investor wanting to purchase a property to rent out to a business tenant.
How to Get a Commercial Mortgage
A commercial property mortgage is usually a long-term loan of up to 25 years that provides the cash to purchase a business premises. They are similar in structure to a residential mortgage in that the mortgage is repaid in monthly instalments, along with interest.
Interest only options are available but generally only up to a maximum of 10 years.
How Do Commercial Mortgages Work?
Commercial lenders prefer investment borrowers to have some previous property investment experience because operating mixed-use or commercial properties is more complex than residential.
Most lenders stipulate the following base criteria:
- A deposit of at least 30% is available
- You are a homeowner
- You have owned other investment property for at least 24 months
- Cash for the deposit is available via savings
- You can provide evidence of your income, whether it’s from a salary, self-employment or rent
For owner occupiers commercial lenders will ask for information to support the strength of the business and it's ability to repay the loan. This is usually derived from accounting information.
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