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Commercial & Semi Commercial Mortgages


What is a Commercial Mortgage?

A Commercial mortgage is used for the purpose of purchasing or remortgaging a commercial premises. You can also use a commercial mortgage to purchase investment properties. Commercial mortgages are provided by standard high street lenders, challenger banks and other financial institutions.

What is a Semi Commercial Mortgage?

A Semi Commercial Mortgage is used to purchase property that is part residential and part commercial for example a shop with a flat above.

Semi Commercial & Commercial mortgages can be used to purchase property on an owner occupied basis (where you will run the business yourself) or as an investment property (where you would look to rent the property out) and the term of the mortgage can be typically up to 25 years.

The loan would be paid back on a Capital & Interest repayment profile however there are certain lenders that can offer Interest Only if this is required.

Lending Criteria 

The lenders look to make funds available and consider the following in doing so:-

  • Loan to Value 
  • Credit Scoring 
  • Serviceability 
  • Sector Experience 
  • Property Type 
  • Sector Type 
  • Interest Rates

If you would like some further information on commercial or semi commercial mortgages or would like a free quotation for your requirements, please call us on 01202 937880.

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Call our experts today on 01202 937880

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