We specialise in arranging commercial mortgages for businesses of any size. Whether you are just getting started, a self-certified entrepreneur or a commercial property investor; If you are looking to build, buy or develop your business premises, we can help.
For impartial advice from a qualified commercial finance advisor.
The initial advice is free and without obligation.
Unlike residential mortgages, commercial mortgage interest rates are determined by the strength of your proposal. In order to secure the best rates we identify the most suitable commercial lenders for your requirements and negotiate the rate based on your business performance and potential.
The following rates are an indication only, please contact us for an exact quote.
| Business Profile | Rate* | Max. LTV | Enquire |
|---|---|---|---|
| Professional Practices Accountants, Dentist Practice, Doctors Surgery, Solicitors, Veterinary Practice |
+2.25% | 85% | Enquire |
| Leisure Industry Guest Houses, Bed & Breakfasts, Hotels, Public Houses, Restaurants, Wine Bars |
+2.75% | 80% | Enquire |
| Health Care Nursing/Care Homes, Residential Care |
+2.5% | 85% | Enquire |
| Retail Industry Convenience Store, Fast Food Outlet, Grocer, News Agent, Off Licence, Post Office, Specialist Shop, Supermarket |
+3.7% | 70% | Enquire |
| Industrial Factories, Warehouses |
+3.0% | 80% | Enquire |
| Agricultural Farms, Farm Land |
+3.5% | 75% | Enquire |
| Land With or without planning permission |
+3.5% | 75% | Enquire |
| Investment Property |
+3.25% | 65% | Enquire |
If you have already been refused a commercial property mortgage or you are unhappy with the rate you have been quoted elsewhere, we can help. Our experienced advisors can work with you to identify the best lenders and present your proposal to its maximum potential.
As well as a stand alone investment, commercial property can also be used with Self-Invested Personal Pensions (SIPP) making the commercial buy-to-let market very popular. Lenders offering commercial investment mortgages will usually require the property to yield a monthly rental return in excess of 125% of the loan repayment and typically favour 'in-demand' properties such as retail units, offices, warehouse space and semi-commercial properties.
Mortgages are generally regarded as less volatile than rental agreements and are less prone to large, non-index related increases. If your business can afford the necessary deposit, owning your business property can have many benefits including tax breaks, capital gain and superior control. An owner-occupied mortgage will also benefit from more attractive LTV percentages.
Mortgage Nation is an independent commercial mortgage broker with access to the entire market. We constantly review the relationships with the lenders we work with to ensure we stay up to date with their lending criteria and business appetites in order to confidently recommend the most appropriate solution to your requirements.
Our initial advice is free and without obligation so why not speak to one of our advisers.