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Corporate Buy to Let

Commercial Investment Buy to Let

Commercial Mortgage Quotes

Use our commercial mortgage quote below to find out how much you can save on commercial mortgages.

 


Commercial Mortgage Quotes


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Mortgages Corporate Let Arrangements

Typically these mortgages are designed for situations where the tenant is a company, or a Housing Association, or a Local Authority or even a letting agent. The company (tenant) then uses the property as accommodation for its own purposes, which can include employees of the company, customers and maybe foreign guests and dignitaries, or emergency housing and conventional long-term renting.

Lenders will not lend if the occupants are classed as ‘vulnerable’ members of society, such as people with learning disabilities, asylum seekers, pensioners etc. We have lenders who are used to these mortgage applications and a ready to lend.

Mortgages for Limited Company or LLP

You may want to purchase a property using an existing trading company, or an SPV (Special Purpose Vehicle) or an LLP (Limited Liability Partnership). There are lenders for all of these requirements. If the property is a residential house or an HMO, then there are some traditional BTL lenders who can accommodate this and interest rates are lower. Maximum lending is up to 85% LTV.

If the property is commercial, or is to be owned by an existing trading company, or an LLP, then a commercial lender will be required. Maximum lending is up to 75% LTV in most circumstances. Multiple flats in a single freehold title can be mortgaged up to 85% LTV (London & South East).

Investing in Commercial Property

All manner of commercial property can be used for investment purposes and mortgages are based on the rental income from a formal lease arrangement. Applicants should have some existing experience renting and managing commercial property, but not always. We have a lender who will lend to first time landlords and at very keen interest rates.

Retail shop with owners accommodation
Office units
Retail units
Shops & high street retail
Restaurants
Pubs & licensed trade premises
Cafe’s and hot food outlets
Bars & Bistro
Industrial units
Warehousing

Residential Property Investment

We have access to all the Buy to Let lenders and we specialise in HMO mortgages. Our specialist lenders provide mortgages in circumstances where traditional lenders cannot lend

Homes of multiple occupation (HMO)
Buy to let houses and flats
Holiday let property
Flats above retail shops or restaurants
Flats above fast food takeaways and licensed premises

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Lending Guideline

We can offer the following on corporate let applications

Borrow up to £5m
Mortgage terms up to 30 Years
Up to 85% of the property value or purchase price
Repayment or interest-only options