Commercial Mortgages

A commercial mortgage is a loan to an individual, business entity or SPV to provide funding towards the purchase of owner occupied premises or investment opportunities. Wooton & Bean SLS arranges mortgages secured on most types of commercial property and we work with a range of lenders including major high street banks and specialist finance providers. 

Finance is available for most types of commercial property, some examples include; 

  • offices (with/without flats above)

  • light industrial units, industrial parks, shopping centres, warehouses or factories

  • shops and retail units (with/without flats above)

  • hotels, guesthouses and B&B’s, restaurants and pubs

  • care homes, nursing homes and hospices

  • farms and farm buildings

  • residential investment property and portfolios

  • land, with or without planning permission in place

The price you pay and the amount you can borrow depend on a number of factors; 

  • owner occupied loans can often attract a better price and require a lower deposit 

  • a larger deposit can often mean a lower rate of interest 

  • a trading business with a good track record will be more attractive to high street banks 

  • the nature of property being offered as security and the proposed tenant can impact on the terms offered 

  • your own borrowing history and credit record.

Whatever your circumstances the best place to start is to speak to a specialist commercial finance broker who can find the right solution for you and your business.

Your buy to let property or commercial property may be repossessed if you do not keep up repayments on your Mortgage.

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