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Commercial Mortgage for Limited Company: A Comprehensive Guide

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If you’re a UK-based limited company seeking commercial finance options, we’re here to assist. As an independent broker, we provide a spectrum of services such as facilitating commercial mortgages and refinancing solutions. Our robust connections span numerous commercial lenders, including private banks and specialist lenders not found on the main street.

We’re adept at pinpointing optimal commercial mortgages for spaces like offices, warehouses, factories, and retail units, ensuring favourable loan conditions. Our lending durations range from a short 3 months to an extended 30 years, and we can assist in securing up to 70% of the property’s value, though in certain scenarios, this percentage might be higher. If you possess assets like investment portfolios, commercial properties, or pensions that you’d like to incorporate in the deal, our team can leverage these to negotiate more lenient lending terms and better interest rates, ensuring you receive the most advantageous deal.

Limited Company Commercial Mortgage 

Commercial Mortgage Types

If you are a limited company looking for a commercial mortgage, you may be wondering what types of commercial mortgages are available. There are two main types of commercial mortgages available for limited companies: owner-occupier commercial mortgages and commercial investment mortgages.

Owner-occupier commercial mortgages are typically used by business owners who are looking to remortgage or purchase commercial owner-occupied premises, such as office space. Lenders typically provide up to 75% loan to value for an owner-occupier mortgage. On the other hand, commercial investment mortgages are often used by those looking to invest in commercial property, such as a House in Multiple Occupation (HMO). Lenders usually provide up to 65% loan to value for a commercial investment mortgage.

How to Get Commercial Mortgage?

Securing commercial mortgages for limited companies can be difficult, especially when dealing with traditional lenders. Applications can take several months to process, and it can be tough to secure the finance at all. Traditional lenders generally put the borrower under heavy scrutiny to ensure they can afford mortgage repayments, which may make it difficult for limited companies to access commercial mortgages, especially if the limited company is struggling financially.

We strive to ensure all our clients get the commercial finance that they need. Our commercial mortgage brokers can provide access to the whole market, compare most UK lenders who are prepared to provide commercial mortgages for limited companies, and arrange both short-term and long-term lending options from 3 months to 30 years. We can source commercial mortgages up to 70% of the property value (in some cases this can be higher), and secure the funding you need swiftly.

How to Apply for a Commercial Mortgage for a Limited Company

Should you require a commercial mortgage for your limited company, it’s recommended to engage a seasoned broker to guarantee the best financial arrangement. As experts in property finance, we can procure a commercial mortgage at competitive rates tailored to your company’s needs.

Frequently Asked Questions

How can a limited company apply for a commercial mortgage?

To apply for a commercial mortgage, a limited company can approach a lender directly or work with a commercial mortgage broker who can help them find the best deal. The application process involves providing detailed information about the company’s financial history, credit score, business plan, and the property they want to purchase.

What are the requirements for a limited company to get a commercial mortgage?

The requirements for a limited company to get a commercial mortgage vary depending on the lender. However, in general, the company must have a good credit score, a strong financial history, and a solid business plan. The lender will also assess the property’s value, location, and potential for generating income.

Which lenders offer the best commercial mortgage rates for limited companies?

There are several lenders that offer commercial mortgage rates for limited companies. The best rates depend on the company’s credit score, financial history, and the property they want to purchase. Some of the top lenders include Barclays, HSBC, Lloyds Bank, and Santander.

What is the maximum loan amount for a limited company commercial mortgage?

The maximum loan amount for a limited company commercial mortgage depends on the lender and the property’s value. In general, most lenders offer loans up to 70% of the property’s value. However, some lenders may offer higher loan amounts for companies with a strong financial history and credit score.

Can a new limited company qualify for a commercial mortgage?

Yes, a new limited company can qualify for a commercial mortgage. However, the company must have a strong business plan, a good credit score, and a solid financial history. Lenders may also require a personal guarantee from the company’s directors.

What are the benefits of using a commercial mortgage calculator for a limited company?

Using a commercial mortgage calculator can help a limited company determine how much they can afford to borrow, estimate their monthly repayments, and compare different mortgage options. This can help the company make an informed decision and find the best deal for their needs.

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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.