A commercial mortgage allows businesses and property investors to acquire or refinance commercial property while preserving capital. Ownership should strengthen long-term stability. The structure of the mortgage determines affordability, flexibility and risk exposure.
What Is a Commercial Mortgage?
A commercial mortgage is a secured loan used to purchase or refinance offices, industrial units, retail properties, mixed-use buildings, or investment property. Terms typically range from 5 to 25 years depending on occupancy and risk profile.
Owner-Occupied vs Investment Mortgages
Owner-Occupied: For businesses purchasing their own premises.
Commercial Investment: For landlords generating rental income.
Each structure requires different underwriting considerations.
How We Structure Commercial Mortgages
We assess loan-to-value ratio, rental income or trading income, interest coverage, property type, location, and exit strategy. We then structure fixed or variable rates, term lengths, repayment methods, and amortisation profiles.
A commercial mortgage should align with long-term strategy, not simply monthly affordability.
Benefits
- Long-term stability
- Potential capital appreciation
- Predictable repayment profile
- Reduced reliance on landlords
Frequently Asked Questions
What LTV is available?
Typically 60% to 75% depending on property type.
Are fixed rates available?
Yes, fixed and variable structures are available.