Commercial Property Mortgages London

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Commercial Property Mortgages London – Bains Express Mortgage Solutions

With a multitude of lenders and products to choose from, it’s no wonder our clients have thanked us for our innovative matching software that pairs you with only the best suited lenders in the market, for your specific needs.

Commercial Owner-Occupied Mortgages

These mortgages are designed for business owners who wish to purchase a property to operate their business from. These typically allow for financing up to 65-70% of the property’s value, with some lenders potentially offering higher LTVs, depending on the type of business occupying the premises.

The amount of financing available often hinges on the financial performance of the trading business, and lenders generally consider factors such as EBITDA and any add-backs, such as rent that will no longer be an expense once the company moves into the property.

This is where our specialist knowledge of the market will help in finding you the solution that fits.

Commercial Investment Mortgages

Commercial-only and semi-commercial (mixed-use) mortgages cater to investors seeking to purchase or finance properties that are either solely commercial or a combination of residential and commercial (mixed-use). These properties offer the potential for attractive returns due to the ability to generate income through both commercial and residential tenants. However, compared to standard residential properties, they also carry a higher risk due to the potential challenges in renting out commercial units.

The lend amount is calculated based on the projected rental income from both the commercial and residential components, ensuring that the financing aligns with the property’s income-generating capacity. The maximum LTV on these types of mortgages typically ranges from 70% to 75%.

Residential Buy to Let

A residential buy-to-let mortgage is a type of financing specifically designed for individuals or companies purchasing properties to rent out to tenants. Unlike standard residential mortgages, buy-to-let mortgages are structured to accommodate the income-generating nature of rental properties. In other

When looking to finance a residential dwelling (i.e., house or flat) for rental purposes, a standard buy-to-let (BTL) mortgage is required.

The property ownership can vary though, whether in your personal name, through a limited company, or otherwise. Regardless of the ownership structure, the lender will assess the rental income to determine the allowable borrowing amount. This applies to properties where rooms are rented individually (such as HMOs), and for blocks of flats, all under the same mortgage.

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