Commercial Mortgages

If you are seeking to finance the purchase of land and/or buildings for your business, a commercial mortgage will probably provide the most flexible and affordable financing solution.

A commercial mortgage is a specialised commercial loan, and as such, the lender has a legal claim over the property until the loan has fully been repaid.

As with a residential mortgage, the commercial lender will hold the title deeds to the property as security. In the event of arrears the mortgage lender can repossess the commercial property.

A business owner who wants to fund his/her premises may use an 'owner occupied' Commercial Mortgage.

A Landlord can 'buy to let commercial' that is to say the landlord can purchase a commercial property solely for investment purposes and rely on the rental income to cover the mortgage and provide a profit.

The Financial Services Authority does not regulate most forms of commercial mortgages.