Investment Finance

Commercial Finance

Commercial investment mortgages are designed for individuals and companies looking to purchase or refinance commercial property to rent out. Commercial mortgages are also available on mixed-use or semi-commercial property.
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Key Features

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Rates from 4%
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Loans from £50K to £25M
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Up to 75% lNET LTV lending
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No minimum income
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Fixed rate for 2 or 5 years
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Large and small portfolios
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Holiday lets
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Semi-commercial
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Serviced accommodation
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Sitting tenants
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New build flats
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Purpose built student accommodation
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HMOs
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Loan terms from 2-25 years

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FAQs

How much is a deposit for a Commercial Mortgage?
Deposits can vary, but commercial mortgage deposits tend to be from 25% of the property’s value. The type of business you run can also affect your deposit. Some lenders may ask for more money if they consider your business to be more ‘high risk’ – for example, if it’s a restaurant or a bar.
What businesses can Commercial Investment be used for?
A commercial mortgage can be offered for most legal businesses. Businesses which might seem like a poor investment may struggle to get a commercial mortgage.
What is the lending criteria for Commercial investment?
Most lenders prefer you to have some lettings experience before buying a commercial property. This is because commercial properties can be more complex to manage compared to a residential investment. Additionally, if you have a strong personal income and won’t need to rely on the rent of the property to support your lifestyle, lenders often look favourably on this. The lender will base the affordability of the loan and the maximum loan available on the rent received.

Why Merryoaks?

The Merryoaks Property Finance team have a long and successful background in finding and providing creative financial solutions for property investors and developers throughout the UK. Our aim is to help you fund your next investment or development project and be part of your on-going growth to bigger and better deals.
Highly Experienced, Relationship Driven, Solution Focused.

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