Please note: this service is not provided by The Mortgage Advice Professionals. We will introduce you to a specialist lending firm we are partnered with, who will advise you and arrange the finance. MAP will stay alongside you throughout, supporting you at every stage of the process
Finance for premises that earn their keep
When a property or piece of land is bought for business rather than for living in, a standard residential mortgage won't cover it. That's where a commercial mortgage comes in — arranged by a company, a partnership, or an individual investor.
Commercial lending is its own world. Decisions rest on the strength of the business, the quality of the tenant and lease, and the nature of the building itself, rather than a simple income multiple.
Underwriting tends to be more hands-on than it is on the high street.
MAP works with specialist commercial partners who spend their working lives on these cases. Tell us what you're trying to do and we'll make the introduction.
Commercial finance for different situations
The right type of commercial mortgage depends on what you're buying, who will occupy it, and how the property will be used.
Commercial investment
For landlords and investors buying or refinancing premises let to a business tenant on a commercial lease.
Semi-commercial investment
For mixed-use buildings, typically a commercial unit let on a commercial lease with one or more flats above let on ASTs.
Owner-occupier
For business owners buying the premises they trade from, instead of renting.
Semi-commercial owner-occupier
Where you trade from part of the building and let the residential portion to tenants.
Different buildings, different considerations
Commercial property comes in many forms. We see a broad range of buildings and uses, including:
Shops
Shops and shops with flats above.
Offices
Office buildings and commercial workspace.
Warehouses
Warehouses and industrial units.
Workshops
Workshops and garages.
Pubs & restaurants
Licensed premises, pubs and restaurants.
Hotels & guest houses
Hotels and guest accommodation.
Care homes
Care homes and specialist accommodation.
Nurseries & healthcare
Nurseries and healthcare premises.
Something more unusual?
More unusual buildings are worth asking about rather than assuming the answer is no.
Different business structures can be considered
Commercial lending isn't limited to one type of business structure.
Limited companies
SPVs
LLPs
Partnerships
Sole traders
Specialist cases
Depending on the case, lenders on our partners' panels will consider start-ups without a trading history, applicants with credit issues, and first-time commercial investors.
Tell us what you're trying to do
Commercial lending is specialist work, and the right route depends on the property, the business and the circumstances behind the transaction.
MAP works with specialist commercial partners who spend their working lives on these cases. Tell us what you're trying to do and we'll make the introduction.
Commercial finance is worth discussing early
Whether you're buying the premises your business operates from, purchasing an investment, refinancing an existing commercial mortgage or looking at a mixed-use property, the circumstances of the case matter.
More unusual buildings and business structures are worth asking about rather than assuming the answer is no.
Speak to MAP and we'll make the introduction to a specialist commercial partner who can assess the case.
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