Finance to buy, refinance or release equity from commercial property
Whether you are purchasing premises for your business, investing in a commercial property or refinancing an existing loan, our specialist commercial mortgage advisers can help you find a suitable funding solution.
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HOW IT WORKS
A simple process from start to finish
1
Tell us your plans
Answer a few quick questions about your situation, budget and goals.
2
A specialist adviser calls
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3
We find the right options
Well research suitable mortgages and government schemes you may qualify for.
4
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Commercial Mortgage Types
What Type of Commercial Mortgage Do You Need?
Owner-Occupied Commercial Mortgages
An owner-occupied commercial mortgage allows a business to purchase the premises it trades from.
This could include an office, shop, warehouse, industrial unit, surgery, restaurant, care facility or another type of business property.
Instead of paying rent to a landlord, your business makes repayments towards a property it owns. You may also be able to refinance premises already owned by the business.
An owner-occupied commercial mortgage may be suitable when you want to:
- Purchase your current rented premises
- Move into a larger commercial property
- Open an additional location
- Secure long-term premises for your business
- Refinance an existing commercial mortgage
- Release equity for business investment
- Fund improvements or refurbishment
Commercial Investment Mortgages
A commercial investment mortgage is used to purchase or refinance a property that will be rented to another business.
The lender will consider the strength of the property, the expected or existing rental income and the quality of the tenant and lease. They may also assess your experience as a property investor and your wider financial position.
Commercial investment properties can include:
- Offices
- Retail units
- Warehouses
- Industrial units
- Restaurants and cafés
- Medical premises
- Leisure properties
- Multi-unit commercial buildings
- Commercial properties with established tenants
Semi-Commercial Mortgages
A semi-commercial mortgage is designed for properties that contain both commercial and residential accommodation.
Examples include:
- A shop with a flat above
- An office with residential accommodation
- A pub with an owner’s residence
- A restaurant with flats on the upper floors
- A mixed-use building containing commercial and residential units
Semi-commercial properties require specialist underwriting because lenders need to assess both elements of the building.
The commercial income, residential rental income, property configuration, lease structure and intended use can all affect which lenders will consider the application.
Commercial Remortgages and Equity Release
You may be able to refinance a commercial property to replace an existing facility, restructure your borrowing or release some of the equity held in the property.
Capital released from a commercial property may potentially be used for:
- Business expansion
- Purchasing equipment
- Refurbishing premises
- Buying another property
- Improving working capital
- Consolidating eligible business borrowing
- Buying out a business partner
- Funding a new business location
The property value, outstanding mortgage, business performance and proposed use of the funds will all be considered.
Specialist Commercial Mortgage Advice
Commercial mortgages are rarely straightforward. Every lender has different requirements regarding property type, business performance, trading history, tenant profile, lease terms and the amount of deposit or equity required.
At Trinity Finance, we take the time to understand both the property and the business behind the application. We then identify lenders whose commercial mortgage criteria are suited to your circumstances.
Our advisers can help you compare the overall cost of different options, prepare the necessary documentation and present your application in a clear, lender-friendly format.
Whether you are an established business owner, an experienced commercial property investor or considering your first commercial purchase, we will guide you through the process from initial enquiry to completion.
Speak to a Commercial Mortgage AdviserView Our Top Lenders
Commerical Stamp Duty Calculator
Speak to an expert Mortgage adviser from Trinity Finance
Our specialist mortgage brokers are here to guide you through the entire mortgage and finance process, helping you secure the best mortgage deal tailored to your needs.
Maria Goble
Mortgage Consultant
Louis Chalk
Mortgage Consultant
Emma Taylor
Mortgage Consultant
Vijay Mahajan
Mortgage Consultant
FAQs
A commercial mortgage is a loan secured against property that is used wholly or partly for business purposes.
It can be used by a business buying premises to trade from or by an investor purchasing a property to rent to another business.
An owner-occupied commercial mortgage is used when your own business will operate from the property.
A commercial investment mortgage is used when the property will be rented to another business. The lender will usually place more emphasis on the tenant, lease and rental income.
A deposit of approximately 25% or more is common, although the amount required varies significantly.
A stronger business, standard commercial property and lower-risk transaction may support a higher loan-to-value ratio. Specialist properties, new businesses and higher-risk sectors may require a larger deposit.
Yes. Commercial mortgages can be arranged for limited companies, limited liability partnerships, partnerships, sole traders and certain other borrowing structures.
The lender may request personal guarantees from directors, shareholders or business owners.
A personal guarantee may be required, particularly where a limited company is borrowing.
The requirement and amount will depend on the lender, business, loan-to-value ratio and overall transaction. Independent legal advice may be required before the guarantee is accepted.
Potentially. Some lenders require an established trading history, while specialist lenders may consider start-ups and newer businesses.
Relevant industry experience, a strong business plan, financial forecasts and a larger deposit may help support the application.
Potentially. Specialist lenders may consider historic defaults, County Court judgments, missed payments and other adverse credit.
The lender will assess the age, value, reason and current status of the credit issue alongside the strength of the property and business.
Both fixed and variable commercial mortgage options may be available.
Variable rates are often linked to the Bank of England base rate or the lender’s own reference rate. Fixed-rate periods may also be available, depending on the lender and transaction.
Commercial Mortgage Topics
Do you pay stamp duty on a commercial property?
Select When does an HMO require a commercial mortgage?
When does an HMO require a commercial mortgage?
Select Can you get a first-time buyer commercial mortgage?
Can you get a first-time buyer commercial mortgage?
Select Are commercial mortgages regulated?
Are commercial mortgages regulated?
Select What is the difference between commercial and residential development finance?
What is the difference between commercial and residential development finance?
Select Can you get a 100% commercial mortgage?
Can you get a 100% commercial mortgage?
Select What are the differences between residential and commercial bridging loans?
What are the differences between residential and commercial bridging loans?
Select Are you looking to buy a commercial property at auction?
Are you looking to buy a commercial property at auction?
Select What is a semi-commercial mortgage?
What is a semi-commercial mortgage?
Select The pros and cons of a commercial mortgage
The pros and cons of a commercial mortgage
Select Is a commercial mortgage right for you?
Is a commercial mortgage right for you?
Select Can you secure a commercial mortgage with bad credit
Can you secure a commercial mortgage with bad credit
Select How to apply for a commercial mortgage
How to apply for a commercial mortgage
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