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Owner-Occupied Commercial Mortgage (purchase)


When rental prices are high, you may consider purchasing your commercial property. We can help you get a favourable owner-occupied commercial mortgage. As expert finance brokers, we have close ties to the UK's leading mortgage providers and will be able to secure you the best deal. 

What is an owner-occupied commercial mortgage?

An Owner-Occupied Commercial Mortgage is where an applicant is looking to purchase a property to run their business.

Owner-Occupied Commercial Mortgages are looked at more favourably than investment mortgages, as the lenders feel there is less risk. The lenders will look to offer a standard loan to the value of around 70-75%, with the exception of one particular high-street bank who can look at 80% LTV on an owner-occupied commercial mortgage, but this is trade dependent.

Another advantage of owner-occupied commercial mortgages is that the rates that the high-street lenders charge are considerably lower and the terms of the commercial mortgages can be longer if required by the client. Interest rates can be fixed or variable.

At FC Funding, we search our trusted list of Owner-Occupied Commercial Mortgage providers to find the best interest rates for your particular sector and requirements. Contact us today to get started on 01202 937880.

Owner Occupied Commercial Mortgages

Owner Occupied Commercial Remortgages

Owner-Occupied Commercial Mortgage (Remortgage)

We can source a remortgage of an owner-occupied commercial mortgage with loan values up to 80%. You can use these commercial mortgages to either move onto a better package from your existing mortgage provider or raise capital to help you grow your business.

The package offered by the lender is subject to the status of the client, the trade that you are in, and the performance of the business. The commercial mortgage loan to value will usually be based against the bricks and mortar value of the property, however, in some instances, the lenders will base the loan to value against the full business appraisal (which would include the goodwill of the business).

Acceptable Property Types for Owner-Occupied Commercial Mortgages Retail

Owner-Occupied Commercial Mortgages are available for a broad range of commercial property types. See below for some examples:

  • Retail Properties (shop or shop with flat above)
  • Hotels & Leisure Related Properties
  • Agricultural Properties
  • Industrial Units
  • Care Homes
  • Educational Properties
  • Office Buildings
  • Professional Properties (Doctor or Vet surgeries, solicitors offices etc)

For a free, no obligation quotation or if you would just like to speak to an advisor about the options that may be available, please call us on 01202 937881 or fill in the quick contact form.

Owner Occupied Commercial Mortgages

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