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Commercial Owner Occupied Business Mortgages

Purchasing or Remortgaging Property for Your Business

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Mortgages for Owner Occupation

These are mortgages where the applicant is running, or intends to run, their own business in the property. Mortgages are available for new business start-ups, where a business plan and a projection of 1st years trading is required, as well as existing businesses, where the last 2, or 3 years accounts are required.

If no proof of income is available, we can arrange self-cert commercial mortgages, where an accountant’s certificate is all that is required in most cases.


Commercial Mortgage Quotes


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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

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

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Agricultural Property

Farmland
Country Houses
Equestrian Centers
Sporting Estates
Rural Property

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 £75,000 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.

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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