The Mortgage Cafe

Corporate Buy to Let

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

Commercial Mortgage Quotes

Mortgages Corporate Let Arrangements

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 for a local authority and/or conventional long-term renting. Properties used to house asylum seekers are acceptable.

Lenders will not usually lend if the occupants are classed as ‘vulnerable’ members of society, such as people with learning disabilities, pensioners etc.

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).

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

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

Request Call Back

Available on-line at