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Get a Large Commercial Mortgage: Tips and Strategies

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If you’re looking to purchase commercial property or land, you may need a business mortgage or a commercial investment mortgage. We provide access to the whole of the business mortgage market, meaning that you not only have the best chance of finding a lender who will work with you, but you also benefit from the most competitive rates in the market.

In this article, we will discuss what you need to know to qualify for a large commercial mortgage of £1m or more. We will look at business mortgages and commercial investment mortgages, and provide information on the amount you can borrow, the interest rates, and what lenders look for in an application.

Key Takeaways

  • Business mortgages and commercial investment mortgages may be necessary if you’re looking to purchase commercial property or land.
  • Lenders will consider your experience in property investment, the financial strength of the tenant or tenants occupying the property now (if applicable), and the length of time left on each individual tenant’s lease.

How do I get a large commercial mortgage?

If you’re looking to secure a large commercial mortgage, there are a few things to keep in mind. First, any facility that you ask for more than £1m will be treated as a large commercial mortgage. Lenders will want to see cash flow forecasts, profit and loss statements, your balance sheet, an assets and liabilities statement, and a business plan. You’ll require an experienced team of finance professionals to do the preparation required to “package” your mortgage application correctly so that it will receive the proper consideration.

I have been refused elsewhere for a business mortgage or a commercial investment mortgage. Should I still try?

If you have been refused elsewhere for a business mortgage or a commercial investment mortgage, you may want to consider approaching us. Each commercial lender has a profile, which describes the type of project they like to fund and the type of businesspeople they feel most comfortable working with. We are aware of each of our lending panel’s profiles. We will package your proposal and present it to a lender whose profile you and your project fit closest to, so that we can secure the most advantageous deal for you in the shortest possible time.

Who do you work with on business mortgages and commercial investment mortgages?

We work with through specialist lenders as well as high street banks, including Lloyds, Barclays, HSBC, and NatWest. We also have access to an extensive network of private banks

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Frequently Asked Questions

Top Commercial Mortgage Lenders in the UK

If you are looking for a commercial mortgage, you may want to consider the following lenders:

  • Barclays
  • HSBC
  • NatWest
  • Lloyds Bank
  • Santander

Different Types of Commercial Mortgages Available

There are several types of commercial mortgages available in the UK, including:

  • Owner-occupied mortgages
  • Investment mortgages
  • Refinancing mortgages
  • Development finance

Deposit Required for a Commercial Mortgage

The deposit required for a commercial mortgage can vary depending on the lender and the type of property. In general, you should expect to put down at least 25% of the property value as a deposit.

Maximum Length of a Commercial Loan

The maximum length of a commercial loan can vary depending on the lender and the type of property. In general, you can expect a commercial loan to have a term of between 5 and 25 years.

Eligibility for a Commercial Mortgage

To be eligible for a commercial mortgage, you will typically need to meet the following criteria:

  • Have a good credit history
  • Be able to provide proof of income
  • Have a suitable deposit
  • Have a viable business plan

Timeframe to Get a Commercial Mortgage

The timeframe to get a commercial mortgage can vary depending on the lender and the complexity of the application. In general, you should expect the process to take between 4 and 12 weeks.

Whole of Market

We have access to thousands of mortgage deals with very best rates from different lenders. Talking to us is like talking to 100+ lenders at the same time.

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Legal Information & Disclaimer

This site is an information only site. All of our articles are written by authorised mortgage brokers for the only aim of providing great, useful, mortgage and loan related information. We intent to offer the best possible suggestions and guides however can’t always guarantee to be perfect, please use the information at your own risk. We can’t accept responsibility if things go wrong. Please contact us via our contact page if you see anything that requires changing and we will do so as soon as possible.

The articles on our site do not provide financial advice. Instead, they aim to equip you with the necessary information to attain your mortgage objectives. 

** The content provided in this page is correct at the time of writing. Mortgage and loan lender’s qualifying criteria and rules change frequently so speak to an adviser to confirm the most up to date rules and criteria. The content on the website is not specific advice to each reader, and does not constitute financial recommendations.