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Commercial Mortgages – What you need to know

Are you a UK business owner looking to expand or invest in commercial property? Commercial mortgages can be your gateway to growth and prosperity. As your trusted mortgage partner, “The Mortgage Store” is here to guide you through the diverse world of commercial mortgages in the UK. In this comprehensive guide, we’ll explore the various types of commercial mortgages and outline the essential information required to embark on this financial journey.

Types of Commercial Mortgages in the UK:

  1. Purchase Commercial Mortgage:

    • Ideal for acquiring new commercial properties or purchasing existing ones.
    • Property types can range from offices and retail spaces to industrial units and more.
  2. Refinancing Commercial Mortgage:

    • Refinance your existing commercial mortgage to secure better terms, lower rates, or release equity.
    • Enhance your cash flow and position your business for growth.
  3. Development Finance:

    • Tailored for property developers, this type of mortgage covers land acquisition, construction costs, and related expenses.
    • Realise your development projects with confidence.
  4. Bridging Loans:

    • Gain quick access to funds with short-term bridging loans, perfect for addressing property transaction gaps.
    • Repay when your property is sold or refinanced.
  5. Buy-to-Let Mortgages:

    • Investors and landlords can generate rental income with buy-to-let mortgages.
    • Grow your property portfolio and secure your financial future.


Information Required to Obtain a Commercial Mortgage:

  1. Comprehensive Business Plan:

    • Present a well-structured business plan detailing your mortgage purpose, financial projections, and business sustainability.
  2. Property Valuation:

    • A professional property valuation assesses your property’s worth and determines the loan-to-value (LTV) ratio.
  3. Financial Documents:

    • Provide financial statements, including income statements, balance sheets, and cash flow projections.
    • Lenders may request business tax returns for the past three years.
  4. Personal Guarantees:

    • Personal guarantees from business owners or directors may be necessary to secure the mortgage.
  5. Credit History:

    • A strong personal and business credit history enhances your eligibility and can lead to more favorable interest rates.
  6. Deposit:

    • Commercial mortgages often require a deposit, typically ranging from 20% to 40% of the property’s value.
  7. Legal Documentation:

    • Ensure all legal documents, including lease agreements, property titles, and insurance policies, are in order.
  8. Business Experience:

    • Lenders may assess your industry experience and track record in managing commercial properties.
  9. Repayment Plan:

    • Present a clear repayment plan, specifying the mortgage term and proposed interest rate.


Navigating the landscape of UK commercial mortgages may seem daunting, but with the right partner by your side, you can unlock your business’s full potential. At “The Mortgage Store,” we specialize in tailoring commercial mortgage solutions to meet your unique needs and aspirations. Our experienced team is ready to guide you through the entire process, ensuring a seamless and successful transaction. Contact us today to start your commercial mortgage journey and secure a prosperous future for your business. Your success is our mission.