Commercial Mortgages & Buy to Let Portfolios
Finance for commercial investment and owner-occupied property — personal names, company structures, and offshore trusts all considered.
Investment & Owner Occupied
We can arrange finance on commercial investment property and owner-occupied commercial property, whether the ownership structure is in personal names or in a company.
Commercial finance is also available on residential portfolios where they do not fit the high street buy-to-let criteria. These tend to be Multi Unit Freehold Blocks (MUFB) of 6 or more properties and larger buy-to-let portfolios. This also includes corporate entities with shares owned by trust structures.
Generally the maximum facility is 60% to 65% of the property value. Exceptions would be owner-occupied properties where 75% to 80% is available depending on the strength of your business and accounts.
Even higher facilities are available if you are in the medical, veterinary, legal or accountancy sector — it is possible to arrange commercial facilities of up to 100% loan to purchase.
Most facilities tend to have a maximum term of 5 years. However, the repayments are usually based on an amortising period of between 15 and 30 years. We have relationships with some building societies that will offer loan terms in excess of 5 years, assessed on a case by case basis.
Typical Parameters
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