Commercial Mortgages Manchester
If you’re financing non-residential land or buildings, we’ll likely pursue a Commercial Mortgage.
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If you’re planning to finance a building or land for non-residential use, it’s highly likely we’ll be exploring the Commercial Mortgage route. With changing planning laws and increased interest in commercial-to-residential conversions, these types of properties are becoming more popular than ever. As your dedicated Commercial Mortgages Manchester Broker, we’re here to guide you through every step.
Who can apply?
Limited Companies, LLPs, Trusts, Offshore Entities, SIPPs, SASS, Individuals, and even Overseas applicants — there are generally no real restrictions when it comes to who can apply for a Commercial Mortgage.
I’m Looking to buy a site for my existing Business, how would I go about this?
This scenario typically falls under an Owner-Occupied Commercial Mortgage, where you’re buying the property to operate your own business. This differs from a Commercial Investment Mortgage, where the unit is purchased for another business to trade from.
Both are very viable routes — each with different underwriting criteria. That’s where we, as your Commercial Mortgages Manchester Broker, step in to help ensure you get the lowest possible rate for your circumstances.
So What Types of Property does it cover?
Commercial Mortgages can be used to finance virtually any property that isn’t classified as standard residential use. While shops and offices are often the first that come to mind, these mortgages also apply to a wide range of property types including hotels, care homes, warehouses, industrial sites, pubs, and mixed-use properties. As your experienced Commercial Mortgages Manchester Broker, we help clients secure funding across all of these asset classes, ensuring the property fits both lender criteria and your investment goals.
What about a shop or a Commercial Unit with living space.
As a rule of thumb, if less than 40% of the floor space is designated for residential use, lenders will class it as a commercial property, and a Commercial Mortgage is the correct product to proceed with.
What’s the maximum I can Borrow?
Unlike standard mortgages, Commercial Finance takes a holistic view of:
The property
The business
You, the borrower
Typical Loan-to-Value (LTV) ratios cap at 70%, but certain lenders may go up to 75% depending on the property, the business model, and your financial background.
Key lender criteria often include:
Your profile – Net worth, industry experience
The business – Is it trading? What’s the EBITDA?
The property – Location, surrounding commercial activity, tenant history, lease terms
As your trusted Commercial Mortgages Manchester Broker, we’ll structure your application to meet the right lender’s criteria — helping you access borrowing of £25 million or more, where applicable.
Tailored Mortgage Solutions – Get in Touch
Fill out the form or call us today. We’re your expert Commercial Mortgages Manchester Broker, ready to help with tailored advice.
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We will have a chat about your plans and goals.
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You receive tailored recommendations, quotes & next steps.
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We submit your application and manage everything to completion.
How long does an application take?
A key difference with Commercial Mortgages is the time involved. From start to finish, the process usually takes around 4 months.
Why longer?
More in-depth underwriting
A more complex legal process
Just as working with an experienced Commercial Mortgages Manchester Broker is essential, so too is hiring a specialist solicitor to avoid unnecessary delays or costs.
What about rates and terms, how do these compare to say standard Residential Mortgages?
Rates for Commercial Mortgages are typically 2% to 3% higher than standard residential mortgage rates. This is due to:
Higher perceived risk
Smaller resale markets
You can still choose from Interest Only, Capital Repayment, Fixed, or Variable structures — tailored to your unique needs.
This is my first Commercial Investment, are the rates going to be tiered?
That depends. Even if you’re new to commercial investing, strong financial backing can work in your favor. Similarly, if you have industry experience but limited assets, we’ll present your track record and strengths to lenders in a compelling way.
Some lenders are even open to unsecured commercial finance, depending on the proposal.
Whatever your situation, as your go-to Commercial Mortgages Manchester Broker, we’ll build the strongest case to get you the most competitive deal.
