Commercial Mortgage
Welcome to YFA, the UK's leading specialist commercial mortgage broker. We provide unparalleled access to mainstream, specialist and challenger bank commercial mortgage lenders. We are able to find the best possible commercial mortgage tailored to your individual circumstances
Why use YFA for Commercial Mortgages
Completion Guarantee: We commit to seeing every deal through to the end, ensuring a seamless process from application to completion. We also maintain an after completion service with you, ensuring we are there to help with any future project, concerns or issues, we aim to be your long term funding partner.
No Upfront Fees: With Charleston, you won’t face any hidden charges or upfront costs. We value a no jargon approach with full transparency in our communication, documentation and processes.
Fast Decisions: Time is of the essence. Our experts are dedicated to providing prompt and efficient service.
Market-Leading Rates: Thanks to our elite lender status, knowledge and lender relationships, we are able to secure the best possible rates for your mortgage.
No Maximum Loan Value: At Charleston, we place no cap on the loan value, meaning we can facilitate financing for projects of all scales.
Flexible Loan-to-Value (LTV) Ratios: While our typical LTV ratios range from 70-80%, we can obtain lending in certain circumstances up to 100% LTV.
Property Diversity: We are open to all types of commercial properties, whether they’re commercial investments or trading businesses.
What Is a Commercial Mortgage?
A commercial mortgage is a loan secured against property that is used for business purposes. This could be a shop, office, warehouse, or a property you plan to let out. Unlike residential mortgages, commercial mortgages are often tailored to the needs of the business and may come with different rates, terms, and lending criteria. They are typically used to purchase new premises, refinance existing ones, or release equity from a property the business already owns.
How to Get a Commercial Mortgage
Getting a commercial mortgage involves a few more steps than a standard home loan. Lenders will assess your business finances, including accounts, turnover, and profit history, as well as your credit rating and the property itself. You’ll usually need a deposit of 20–40%, a clear business plan, and full documentation. Working with an experienced broker can make this process much smoother — helping you prepare the paperwork, compare lenders, and secure the best deal for your situation.
Commercial Mortgage Calculator – How Much Can I Borrow?
Wondering how much you can borrow with a commercial mortgage? A rough guide is that lenders will offer up to 70–75% of the property’s value, depending on the type of property and the strength of your business. Use a commercial mortgage calculator to estimate your borrowing potential based on the property value, deposit, and expected loan term. Every lender is different, so tailored advice is key.
Can You Get a Mortgage on a Commercial Property?
Yes, you can get a mortgage on a commercial property. Whether you’re buying premises for your own business or investing in property to rent out, commercial finance is available — though terms vary depending on your experience, creditworthiness, and plans for the property.
How Does a Commercial Mortgage Work?
Commercial mortgages work by spreading the cost of a property purchase over a set period, usually 5 to 25 years. You’ll make monthly repayments, which can be interest-only or capital and interest, depending on the deal. Interest rates may be fixed or variable, and lenders may require additional security depending on the loan amount and risk. With the right advice, a commercial mortgage can be a flexible and tax-efficient way to fund business growth.
Commercial Mortgages FAQ
What can commercial mortgages finance?
Commercial mortgages fund business premises purchases, investment properties, development projects, refinancing existing commercial debt, or releasing equity from business property.
What deposit is required for commercial mortgages?
Commercial mortgages typically require 25-40% deposit, depending on property type, business strength, and intended use. Owner-occupied premises may require lower deposits.
How do lenders assess commercial mortgage applications?
Lenders evaluate business accounts, cash flow, property valuation, rental income potential, management experience, and overall business viability alongside personal financial strength.
Can I get commercial mortgages for mixed-use properties?
Yes, mixed-use properties combining residential and commercial elements are often financeable, though lenders assess each element separately and may have specific criteria.
What are typical commercial mortgage terms?
Commercial mortgages typically offer 15-25 year terms with rates often higher than residential mortgages. Terms vary based on property type, business strength, and lending risk assessment.
Do I need a business plan for commercial mortgages?
Yes, lenders typically require detailed business plans showing projected cash flows, market analysis, management experience, and how the property supports your business objectives.
Can I get commercial mortgages for property investment?
Yes, commercial investment mortgages fund purchase of office blocks, retail units, or industrial properties for rental income, though rates and terms differ from owner-occupied properties.
Will Your Financial Assurance be my best option?
Your Financial Assurance has grown from strength to strength, offering not only great deals but also full customer support. Help is just a phone call away whenever you have questions — YFA is always there for you. Don’t just take our word for it; check out our Trustpilot reviews and see for yourself!
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