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Commercial Mortgages

Providing individual mortgage advice; unique to you

What are commercial mortgages?

A commercial mortgage is a mortgage loan secured by commercial property, such as an office building, shopping center, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, or redevelop commercial property.

What are the types of commercial mortgages?

Generally, commercial mortgages can fall into two high-level categories: 

Owner occupier mortgages: This is when the property is or will be used as the premise of the trading business. 

Commercial investment mortgage: This is when the property is or will be rented out to another business usually on a commercial lease. 

Commercial mortgage criteria & documentation

There are no set criteria as such for commercial mortgages, however, it is good to note the following: 

  • Deposit/Equity of 20% - 40% required depending on the asset and the overall case. 
  • A statement of assets & liabilities is required. 
  • Financial accounts up to the last three years. 
  • A lease and/or tenancy agreements 
  • The last 3 months banks statements 

Are commercial mortgages regulated?

Commercial mortgages become regulated if 40% or more of the property is or is to be used as a dwelling. In this case, the property would be used to both live and trade from; even if the commercial unit was let, the mortgage could still be classified as regulated. 

 

Speak to our helpful advisers to help you navigate the lenders and find you the best rates available. 

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