Commercial Mortgages Liverpool
If you’re financing non-residential land or buildings, we’ll likely pursue a Commercial Mortgage.
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If you’re aiming to finance a building or land for non-residential use, chances are you’re exploring Commercial Mortgages. With planning laws becoming more flexible, these properties are now more attractive than ever, not just for business operations, but also for conversion opportunities.
Who can apply?
Whether you’re a Limited Company, LLP, Trust, Offshore entity, SIPP, SASS, applying in a personal name or even overseas, there’s generally no restriction. As your Commercial Mortgages Liverpool Broker, we’ll guide you regardless of your structure.
I’m Looking to buy a site for my existing Business, how would I go about this?
In this case, we’re likely looking at an Owner-Occupied Commercial Mortgage, where your business operates from the property. This differs from a Commercial Investment Mortgage, which involves buying a property for another business to lease.
Both options are viable, each with its own underwriting requirements. We help you navigate this to ensure you’re getting the most competitive rate.
So What Types of Property does it cover?
ChatGPT said:
What about a shop or a Commercial Unit with living space.
If the residential space is less than 40% of the floor area, lenders still consider it a commercial property. In this case, a Commercial Mortgage is applicable.
What’s the maximum I can Borrow?
Commercial finance works differently, lenders assess you, your business, and the property. Typical Loan-to-Value (LTV) is around 70%, but in the right scenario, 75% is achievable.
Here’s what lenders look at:
You – Net worth, industry experience
The Business – Trading history, EBITDA, future potential
The Property – Location, surrounding commercial activity, tenancy details
With borrowing available up to £25 million+, the funding options are extensive.
Tailored Mortgage Solutions – Get in Touch
Have questions? Need a quote? Fill out the form below or call us today for expert mortgage advice that’s tailored to you.
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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?
Unlike standard mortgages, Commercial Mortgages can take longer—typically around 4 months from application to completion.
Why? There’s deeper underwriting and a more involved legal process. Working with a qualified Commercial Mortgages Liverpool Broker and a competent solicitor is crucial for avoiding unnecessary delays and costs.
What about rates and terms, how do these compare to say standard Residential Mortgages?
Rates for Commercial Mortgages are usually 2–3% higher than standard residential mortgage rates, reflecting the increased risk and smaller resale market.
Options include:
Interest Only
Repayment
Fixed or Variable Terms
We’ll find the structure that works for you.
This is my first Commercial Investment, are the rates going to be tiered?
Not necessarily. It depends on the whole picture.
Limited experience? A strong asset base might still get you favourable rates.
Industry background but few assets? We’ll focus on your track record and build a compelling case to lenders.
As your Commercial Mortgages Liverpool Broker, our job is to showcase your strengths and secure the best possible outcome.
