Commercial Mortgages Warrington
If you’re financing non-residential land or buildings, we’ll likely pursue a Commercial Mortgage.
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If your goal is to finance a building or land for non-residential use, chances are we’ll be looking at a Commercial Mortgage. With these types of properties growing in popularity, partly thanks to evolving planning laws making conversion projects more viable, it’s more relevant than ever to speak with an expert Commercial Mortgages Warrington Broker.
Who can apply?
There’s wide eligibility for Commercial Mortgages. Whether you’re applying as a:
Limited Company
LLP
Trust
Offshore entity
SIPP or SASS
In a personal name
Or even as an overseas investor
There are very few restrictions, and as your Commercial Mortgages Warrington Broker, we can guide you through every option.
I’m Looking to buy a site for my existing Business, how would I go about this?
In this case, you’re likely seeking an Owner-Occupied Commercial Mortgage, as you’ll be operating your own business from the property. This differs from a Commercial Investment Mortgage, which is for purchasing property that you rent to another business.
Both routes are entirely viable. However, underwriting criteria will vary between lenders—this is where working with a specialist Commercial Mortgages Warrington Broker ensures you’re matched with the right lender and the most competitive rate.
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?
Commercial Finance differs in that lenders consider:
The borrower (your net worth, industry experience)
The business (whether it’s trading, EBITDA performance)
The property (location, tenancy details, local market performance)
While typically up to 70% LTV is standard, some lenders may stretch to 75% on the right deal. With the right setup, borrowing up to £25 million and beyond is possible.
As a Commercial Mortgages Warrington Broker, we take a holistic approach to packaging your application to maximise success.
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?
Unlike standard residential mortgages, commercial applications usually take longer, around 4 months from submission to completion. This is mainly due to more intensive underwriting and extended legal processes.
That’s why working with a specialist Commercial Mortgages Warrington Broker and a qualified solicitor is crucial. We ensure everything is in place for a smooth and efficient process.
What about rates and terms, how do these compare to say standard Residential Mortgages?
Rates are generally 2%–3% higher than residential mortgages due to increased risk and a narrower resale market. However, a variety of terms are available including:
Interest-Only
Repayment
Fixed
Variable
We’ll help you choose what fits your strategy.
This is my first Commercial Investment, are the rates going to be tiered?
That depends on your background. If you have limited industry experience but strong financials, we’ll build a compelling case for lenders. On the flip side, experienced operators with fewer assets can still benefit — we focus on your track record.
Some lenders even consider clients without existing property assets. As your Commercial Mortgages Warrington Broker, we tailor the approach to get the lowest-cost funding that works for you.
