A commercial mortgage or commercial finance, sometimes referred to as a commercial property mortgage or loan, is a mortgage secured against any commercial property; i.e. one that contains or will contain a business or businesses or operates as an investment, such as office buildings, retail or hospitality premises, and blocks of flats.

Businesses typically seek commercial finance when they need to support their cash flow or improve their infrastructure. A commercial mortgage is useful if you are looking for finance to purchase, remortgage, or invest in commercial property. Commercial finance is specifically developed to help you boost your income and create new and increased revenue opportunities. Commercial finance is available for:

• Trading businesses or owner-occupied businesses that are aiming to purchase or refinance their own property or land
• Residential investment mortgages for properties purchased for rental return and capital growth
• Commercial investment mortgages for properties purchased for rental return and capital growth.

Is a Commercial Mortgage Right for You?

You might find commercial finance beneficial if you are:

• A business owner hoping to buy a property and set up and run your own business from it
  A business owner-occupier seeking larger premises
• A commercial property investor looking for properties to let out to a businesses you don’t own
• A residential property investor purchasing a multiunit freehold block for the rental market
• A commercial or residential property owner with a diverse rental (residential or commercial) portfolio seeking remortgage or to consolidate multiple mortgages into one, potentially cheaper, mortgage.

Many properties can secure commercial finance, the most common include:

• Blocks of flats and student accommodation
• Office buildings
• Warehouses, factories, and industrial units
• Retail premises from small shops to shopping centre
• Care homes and nursing homes
• Doctors’ and dentists’ surgeries, pharmacies
• Veterinary practices
• Hotels and guest houses
• Bars and restaurants
• Funeral parlours
• Agricultural land.

Semi commercial properties * also qualify for commercial finance as long as the property has both commercial and residential elements to it. For example, shops with have flats or living space above them, Bed and Breakfast accommodation, pubs, kennel services or any other business that requires employees to have access to on-site accommodation.

Our sister company, Landmark Specialist Finance’s offers competitive and creative commercial mortgages:

• Commercial Mortgage Finance
• Buy-to-Let Portfolio Finance
• Hotel Commercial Finance
• HMO Mortgages
• Semi-Commercial Mortgages
• Office Commercial Finance
• Shop and Restaurant Mortgages
• Industrial Units Finance
• Student Accommodation Commercial Finance

T:  +44 (0) 203 773 7299

E: info@landmarkprivatefinance.com

FOR COMMERCIAL MORTGAGES, LANDMARK PRIVATE FINANCE ACTS AS INTRODUCERS TO LANDMARK SPECIALIST FINANCE

Landmark Private Finance Ltd and Landmark Specialist Finance Limited are two separate entities

The FCA does not regulate commercial mortgage, we act as introducers for them.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.