Property finance that works for the business.

An owner-occupied commercial mortgage funds premises used by the borrower’s own business, so trading performance and affordability are central. A commercial investment mortgage funds property let to another business, so rent, lease terms, tenant strength and property demand become more important.

There is no universal deposit. It depends on the property, sector, borrower, trading or rental performance, loan purpose and lender. Specialist or unusual properties may require more equity. We compare the gross facility with the cash contribution and total purchase costs rather than assume one standard percentage.

For owner-occupied premises, lenders assess sustainable business cash flow and existing commitments alongside the property value. For investments, they assess rent and coverage as well as the borrower and property. The valuation and lender’s maximum loan-to-value can also limit the amount.

Potentially, but the lender will usually need strong supporting evidence. This may include relevant experience, a credible business plan, forecasts, contracts, deposit strength and additional security or guarantees. Options are generally wider where the business has an established trading record.

Yes, subject to lender criteria. A commercial remortgage can review an existing deal, change lender or release eligible equity for a defined business purpose. Existing early repayment costs, valuation, affordability, fees and the reason for additional funds all need considering.

Some lenders offer interest-only or partially interest-only structures for suitable cases. Availability depends on the property, borrower, leverage and repayment strategy. The capital remains due, so the exit must be credible and the total cost compared with capital repayment.

Potential security can include offices, shops, industrial units, warehouses, hospitality, healthcare, mixed-use buildings and other specialist premises. Lender appetite varies considerably by property use, condition, location, operator experience and how easily the property could be sold or relet.

Timescales depend on the lender, accounts and documents, valuation, property complexity and legal due diligence. Commercial transactions can involve leases, environmental checks, searches and company matters beyond a standard residential purchase. Preparing current information early can reduce avoidable delay.

Commercial mortgages secured solely on business premises are generally not regulated mortgage contracts. The position can differ where residential property, an individual borrower or mixed occupation is involved. Regulatory status and available protections should be confirmed from the actual transaction.