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Commercial Mortgages
We specialise in refinancing commercial properties and providing mortgage and short-term finance solutions across the UK.
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Types of Commercial Mortgages
Commercial mortgage lenders provide a range of mortgage products. Some of the most common options include:
Owner-Occupied Mortgages
For purchasing or refinancing your own business premises. Typically up to 75% LTV.
Buy-to-Let Mortgages
For financing properties to rent out commercially. Typically up to 70% LTV.
HMO Mortgages
For properties with multiple tenants (Houses in Multiple Occupation). Typically up to 60% LTV.
Short-Term Loans
Bridging finance typically repaid within 1–3 years. Typically up to 70% LTV.
Development Loans
For financing construction or renovations. Typically up to 65% LTV.
Portfolio Mortgages
For landlords with multiple properties. Typically up to 70% LTV.
How to Apply for a Commercial Mortgage
Applying directly with a lender requires a lot of paperwork. However, working with a specialist mortgage broker simplifies the entire process.
So, how does it work? Here’s a quick overview of what to expect during the application:
- Find a Property & Make a Offer
- Consult a Broker
- Provide Documentation
What Are Commercial Mortgages and How Do They Work?
A commercial mortgage is a long-term loan secured against a non-residential property used for business purposes, such as an office, shop, restaurant, factory, or warehouse. The property acts as collateral if you fail to make repayments.
Repayments are made monthly over a set term, typically between 10 and 30 years. Interest rates can be either fixed or variable, and the loan amount is based on the property’s value and your overall financial situation.
While commercial mortgages are similar to residential mortgages, there are key differences:
- Higher minimum deposits: usually 25–30%
- Shorter maximum terms: typically up to 30 years
- Stricter eligibility criteria: based on your business’s creditworthiness
Alexanders FA can help determine if a commercial mortgage is the right option for your business needs and goals.
Repayments are made monthly over a set term, typically between 10 and 30 years. Interest rates can be either fixed or variable, and the loan amount is based on the property’s value and your overall financial situation.
How does Alexanders FA work?
At Alexanders FA, we simplify the home-buying process with expert guidance, ensuring you receive professional support every step of the way.
As an award-winning broker, we offer free mortgage and protection advice tailored to both first-time buyers and seasoned investors. Trust Alexanders FA for a smooth, stress-free home-buying experience.
1
Free Initial Consultation
We’ll review your current circumstances and property goals, evaluating your borrowing capacity to help identify the most suitable mortgage lenders.
2
Agreement in Principle (AIP)
An AIP provides an estimate of your borrowing power. With this in hand, you can confidently explore properties within your budget and make informed offers.
3
Personalised Mortgage Guidance
After your offer is accepted, we recommend the most suitable lenders and mortgage products. We manage every detail of your mortgage application to ensure a seamless experience.
Reviews
A Genuine Five-Star Experience.
We wouldn’t be where we are without our incredible clients. We take pride in building genuine, one-on-one relationships, offering tailored mortgage advice that suits each individual’s needs.
Jasmine Brown
Allen Whittell
