The Mortgage Cafe

Commercial Owner-Occupied Business Mortgages

Purchasing or Remortgaging Property for Your Business

Business and Retail Property

  • Retail Shop with Owners Accommodation
  • Office Units
  • Shops & High Street Retail
  • Restaurants
  • Pubs & Licensed Trade Premises
  • Cafe’s and Hot Food Outlets
  • Bars & Bistro

Mortgages for Owner Occupation

  • Interest rates from 5.15%
  • Loans available up to 80% LTV(repayment mortgages)
  • Loans available up to 75% LTV (for interest only mortgages)
  • No maximum age limit
  • Can be interest only for full mortgage term
  • Flexible lending criteria, experience etc.
  • Terms up to 20 years
  • Sole-Traders, partnerships, company directors, limited companies accepted

If proof of income is not available, we can arrange self-cert commercial mortgages, where an accountant’s certificate, or bank statements is all that is required in most cases.

Commercial Mortgage Quotes

Residential Owner-Occupied Property

  • Homes of Multiple Occupation (HMO)
  • Hostel Accommodation
  • Bed and Breakfast & Guesthouse
  • Hotels

Tourism and Leisure Property

  • Leisure Parks
  • Golf Courses & Golf Property
  • Sports & Fitness Centers
  • Heritage Property
  • Cinemas & Theatres
  • Caravan & Camping Parks
  • Holiday Parks
  • Health & Spa Resort Hotels

Healthcare and Education Property

  • Care Homes
  • Nursing Homes
  • Nursery Childcare
  • Doctors Surgeries
  • Private Medical Practices
  • Dental Practices
  • Veterinary Practices
  • Schools & Education Centers

Industrial Property

  • Industrial Units
  • Warehousing
  • Storage Facilities
  • Automotive Workshops
  • Engineering Workshops
  • Factories & Manufacturing Facilities
  • Car Wash Garage

Remortgaging Commercial Owner-Occupied Premises

We can arrange funding up to 75% of the property value to purchase or refinance an existing mortgage facility and for capital raising.

Lending is subject to trading performance and the type of industry, as well as the condition and location of the property. Mortgage loan size range from £25,000 to £10m.

All mortgages are generally subject to status, although facilities exist for those applicants who fall outside of usual lending criteria.

The mortgage is generally based on the ‘bricks and mortar’ value of the building. This excludes the value of the business goodwill and value of any fixed assets within the business. In some business sectors, mortgage lending can also be based on the business appraisal value, which can include goodwill.


Agricultural Property

  • Farmland
  • Country Houses
  • Equestrian Centers
  • Sporting Estates
  • Rural Property

Outline of Lending for Owner-Occupied Commercial

We can offer the following for owner occupied business commercial

  • Borrow from £25,000 to £10m
  • Mortgage terms up to 30 Years
  • Up to 75% of the property value or purchase price
  • Repayment or interest-only options

Other Commercial Property

  • Car Parks
  • Car Showrooms
  • Petrol Flling Stations
  • Franchised Property
  • Roadside Retail & Service Areas

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