Commercial Mortgages - Commercial Mortgage Rates | moneyfacts.co.uk

Commercial Mortgages

  - Our commercial mortgage broker service is provided by B2B Commercial Finance. To speak to a commercial mortgage advisor, just click on a 'speak to advisor' button, complete a short form and an advisor will call you to discuss your options.
CompanyLending SectorMax LTV (%)Base rateMargin above BaseTerm Min-Max

Commercial Property Development75%LIBORNeg1yrs - 25yrs

Farms75%0.25%Neg2yrs - 30yrs

Franchises70%0.25%Neg1yr - 15yrs

Garage Showrooms75%0.25%Neg5yrs - 25yrs

Nursing/Care Homes70%0.25%1% - 6%1yr - 25yrs

Professional Practices80%0.25%Neg1yr - 25yrs

Residential Investment Property85%LIBOR3.54% - 6.14%2yrs - 30yrs

Residential Property Development70%LIBOR3% - 5%1yr - 20yrs

Retail75%LIBOR2.99% - 6.50%3yrs - 30yrs

Schools & Nurseries70%0.25%1% - 6%1yr - 25yrs
Last Updated: Tuesday 24 January 2017 01:17

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply via Moneyfacts.co.uk today. Where we link you to a Commercial Mortgage Broker, any legal or contractual relationship will be with them. Products shown with a yellow background are sponsored products.

 

What is a Commercial mortgage?

Commercial mortgages are used to buy business premises or to buy an existing business in its entirety.

Lenders generally require a deposit of around 25%-40% of the total value and mortgage terms can run for one year, up to 40 years.

Obtaining a commercial mortgage is based on the ability of your business to make the repayments. You will also find that lenders will assess your business before quoting you an interest rate.  

They generally look at past performance, the current position and long term future plans of the business. The interest rate you will be quoted may be based on these factors and may be higher if the underwriter identifies higher risk in the proposal. You may need to provide a detailed business plan which demonstrates that you can make repayments, and a professional valuation will usually be required.

Our commercial mortgage best buys


Our commercial mortgage best buys show a selection of the most competitive lenders operating in different lending sectors. It is usually the case that these lenders also consider other types of property (a lender which lends on garage showrooms may also lend on office buildings for instance), although you should note that the deposit you are required to provide may differ between lending sectors, so it’s always best to check the deposit you’d need for the type of business premises you have, or are considering.
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