What is a commercial investment mortgage?

A commercial investment mortgage is used to buy or refinance commercial premises that are let, or will be let, to a business tenant. Common examples include offices, retail units, industrial units and warehouses.

How lenders assess them

Lenders will look closely at the quality of the tenant, the length and terms of the lease, and the rental income relative to the loan repayments, alongside your own experience and financial position. The property can often be held personally or through a limited company, and both repayment and interest only structures may be available. Deposits are typically larger than for residential lending.

Why use a broker

Commercial lending is not sold on a one size fits all basis. Pricing and terms vary significantly between lenders and are often negotiated case by case, so independent advice can make a material difference to the outcome.

Expert advice

SM Finance’s specialist team will take the time to understand your plans and approach the lenders best placed to support them, from high street banks to specialist funders. Call us on 020 4511 9511 to discuss your requirements.

Your property may be repossessed if you do not keep up repayments on your mortgage.