Commercial Mortgages
Buying your first home is one of life's biggest milestones.
It's exciting, rewarding and often the start of a completely new chapter. However, for many first-time buyers, the mortgage process can also feel confusing and overwhelming.
At Moveo Mortgages, we believe buying your first home shouldn't be stressful. Our role is to provide clear, straightforward mortgage advice and guide you through every stage of your journey, from your initial mortgage enquiry right through to collecting the keys to your new home.
Commercial Mortgage Advice from Moveo Mortgages
For many business owners, purchasing commercial property can be one of the most significant investments they make.
Whether you're buying premises for your own business, acquiring an investment property or expanding an existing portfolio, securing the right finance is a crucial part of the process.
Commercial mortgages differ significantly from residential mortgages. Lenders assess applications differently, property types vary considerably and funding structures can be more complex.
At Moveo Mortgages, we help business owners, investors and property professionals navigate the commercial mortgage market with confidence.
Whether you're purchasing an office, retail unit, industrial premises, mixed-use building or investment property, we're here to help you understand your options and secure suitable finance.
Move forward with Moveo.
What Is a Commercial Mortgage?
A commercial mortgage is a loan secured against commercial property.
Unlike a residential mortgage, which is used to purchase a home, a commercial mortgage is designed for properties used for business purposes or investment.
Commercial mortgages can be used to purchase:
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Offices
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Retail premises
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Industrial units
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Warehouses
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Mixed-use properties
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Hotels and guest houses
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Restaurants and cafés
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Professional practice premises
Commercial lending can be arranged for both owner-occupiers and investors.
Why Buy Commercial Property?
Many businesses eventually consider purchasing their premises rather than continuing to rent.
There can be several potential advantages.
Greater Control
Owning your premises can provide greater control over:
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Property usage
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Future improvements
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Business planning
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Occupation costs
Unlike tenants, owners are not exposed to lease renewals or landlord decisions.
Building Equity
Each mortgage payment may help build equity within the property over time.
Many business owners view property ownership as part of their long-term wealth-building strategy.
Potential Capital Growth
Commercial property values can rise and fall over time.
Some purchasers are attracted by the possibility of long-term capital appreciation.
Rental Income Opportunities
Commercial investors may generate rental income from tenants occupying their property.
This can provide an additional income stream alongside potential capital growth.
Types of Commercial Mortgages
Commercial mortgages generally fall into several categories.
Owner-Occupier Commercial Mortgages
An owner-occupier mortgage is used when a business intends to trade from the property being purchased.
Examples include:
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Accountancy firms
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Solicitors
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Medical practices
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Retail businesses
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Manufacturers
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Hospitality businesses
The property becomes part of the business's operational infrastructure.
Commercial Investment Mortgages
Commercial investment mortgages are designed for investors purchasing property that will be rented to commercial tenants.
Examples may include:
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Office investments
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Retail units
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Industrial premises
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Mixed-use buildings
Lenders will often assess both the property and expected rental income.
Semi-Commercial Mortgages
A semi-commercial property contains both residential and commercial elements.
Examples include:
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Shop with flat above
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Restaurant with residential accommodation
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Mixed-use buildings
Many lenders treat semi-commercial properties differently from purely residential or commercial assets.
Who Can Apply for a Commercial Mortgage?
Commercial mortgages may be available to:
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Sole traders
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Partnerships
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Limited companies
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LLPs
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Property investors
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Commercial landlords
The suitability of any mortgage depends on individual circumstances and lender criteria.
How Do Commercial Mortgages Work?
Commercial mortgages operate differently from residential lending.
Every lender has its own approach, but common considerations include:
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Property type
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Business performance
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Deposit size
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Credit profile
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Industry sector
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Tenant quality (for investments)
Commercial lending is often assessed on a case-by-case basis.
How Much Deposit Do You Need?
Commercial mortgages typically require larger deposits than residential mortgages.
Deposit requirements vary considerably depending on:
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Property type
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Business sector
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Borrower profile
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Lender appetite
Many borrowers contribute between 20% and 40% of the purchase price, although this varies.
A larger deposit may improve the range of available options.
Commercial Mortgages for Business Owners
Many businesses eventually outgrow rented premises.
Purchasing commercial property can provide stability and support long-term growth plans.
We regularly assist:
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Professional practices
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Retail businesses
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Manufacturing companies
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Service businesses
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Healthcare providers
Commercial ownership can provide businesses with greater certainty over future occupation costs.
Commercial Mortgages for Property Investors
Commercial property remains an attractive asset class for many investors.
Potential benefits may include:
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Rental income
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Longer leases
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Diversification
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Capital growth opportunities
Commercial property investments often require a different approach to residential buy-to-let investments.
Understanding lender requirements is an important part of the process.
Offices, Retail and Industrial Property
Commercial lenders often assess different property sectors differently.
Office Premises
Office purchases remain popular among professional service firms and investors.
Examples include:
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Accountancy practices
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Solicitors
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Financial advisers
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Consultants
Retail Premises
Retail properties may include:
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High street shops
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Convenience stores
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Salons
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Cafés
Lenders often consider location and tenant quality carefully.
Industrial Units and Warehouses
Industrial property has become increasingly popular due to the growth of logistics and e-commerce businesses.
Properties may include:
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Warehouses
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Distribution centres
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Workshops
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Manufacturing units
Commercial Mortgages for Limited Companies
Many commercial property purchases are made through limited companies.
Potential advantages may include:
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Business structuring
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Asset ownership
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Investment planning
Lenders will often assess both the company and the individuals behind it.
Commercial Mortgages for Self-Employed Applicants
Many commercial mortgage applicants are self-employed.
This includes:
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Company directors
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Sole traders
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Partnerships
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Consultants
We regularly help self-employed business owners navigate commercial lending requirements.
How Commercial Mortgage Affordability Works
One of the biggest differences between residential and commercial mortgages is how affordability is assessed.
With residential lending, lenders often focus heavily on personal income and expenditure.
Commercial lenders usually take a broader view.
Depending on the transaction, they may assess:
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Business profitability
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Turnover
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Net profit
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Rental income
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Property value
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Industry sector
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Borrower experience
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Existing commitments
Every lender has its own underwriting approach.
Affordability for Owner-Occupier Businesses
If your business will occupy the property, lenders will often review:
Business Accounts
This may include:
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Turnover
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Gross profit
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Net profit
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Director remuneration
Trading History
Many lenders prefer established businesses with a proven track record.
Future Sustainability
Lenders may also consider:
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Market conditions
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Business prospects
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Industry trends
The aim is to ensure the business can comfortably support the proposed borrowing.
Affordability for Commercial Investors
Commercial investment mortgages are often assessed differently.
Lenders may focus on:
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Rental income
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Lease terms
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Tenant quality
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Property value
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Investment experience
The strength of the investment itself often plays an important role.
Commercial Property Valuations
Commercial property valuations are usually more detailed than standard residential valuations.
Lenders need to understand:
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Property condition
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Market value
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Investment potential
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Occupancy status
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Local market conditions
Specialist surveyors are typically instructed to carry out these assessments.
Why Valuations Matter
The valuation helps determine:
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Maximum loan amount
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Loan-to-value ratio
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Lending risk
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Property suitability
A strong valuation can significantly influence available finance options.
Commercial Mortgage Interest Rates
Commercial mortgage pricing varies significantly.
Unlike residential mortgages, rates are often tailored to individual circumstances.
Factors influencing pricing may include:
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Deposit size
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Property type
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Business performance
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Tenant quality
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Loan size
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Borrower experience
Every commercial case is assessed individually.
Commercial Mortgage Terms
Commercial mortgage terms are often flexible.
Depending on the lender and circumstances, terms may range from:
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5 years
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10 years
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15 years
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20 years
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25 years
Longer terms may reduce monthly payments, although total borrowing costs may increase over time.
Commercial Mortgage Costs
Commercial property transactions often involve a range of costs beyond the deposit.
Understanding these costs helps with budgeting and planning.
Lender Arrangement Fees
Many commercial mortgages include lender fees. These vary between lenders and products.
Valuation Fees
Commercial valuations are usually more complex than residential valuations and can therefore be more expensive.
Legal Fees
Commercial legal work is often more detailed due to:
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Lease reviews
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Tenant agreements
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Property structure
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Business considerations
Broker Fees
Some commercial mortgage brokers charge fees for arranging finance. It's important to understand all costs before proceeding.
Stamp Duty Land Tax
Commercial property purchases may be subject to Stamp Duty Land Tax (SDLT).
Rules and rates can change, so it's important to obtain up-to-date advice.
Commercial Remortgages
Many business owners and investors review their commercial mortgages periodically.
Reasons for remortgaging may include:
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Securing a new interest rate
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Releasing equity
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Funding expansion
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Refinancing existing borrowing
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Improving cash flow
A commercial remortgage can provide an opportunity to review your overall financing strategy.
Releasing Equity from Commercial Property
As mortgage balances reduce and property values increase, equity may build within the property.
Subject to lender criteria, this equity may potentially be used for:
Business Growth
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Recruitment
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Equipment purchases
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Expansion projects
Property Investment
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Additional acquisitions
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Portfolio growth
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Development opportunities
Debt Restructuring
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Consolidating borrowing
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Improving cash flow
Every case should be assessed individually.
Buying Commercial Property Through a Pension
Some business owners explore purchasing commercial property through pension arrangements.
This is often achieved through:
SSAS - Self-Administered Pension Schemes
SIPP - Self-Invested Personal Pensions
These structures can offer potential planning opportunities.
However, specialist financial, pension and tax advice is essential before considering this route.
Common Commercial Mortgage Mistakes
Many commercial mortgage challenges can be avoided through preparation and planning.
Focusing Solely on Interest Rates
The cheapest rate is not always the most suitable option.
It's important to consider:
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Flexibility
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Fees
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Repayment structure
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Future plans
Underestimating Transaction Costs
Commercial purchases often involve higher costs than residential transactions.
Proper budgeting is essential.
Choosing the Wrong Property Structure
Whether property is purchased personally, through a limited company or via a pension structure can have significant implications. Professional advice should always be obtained.
Not Preparing Documentation Early
Commercial lenders often require extensive documentation. Being organised can help improve efficiency and reduce delays.
Commercial Mortgages for Different Types of Businesses
We regularly help businesses across a wide range of sectors.
Professional Services
Including:
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Accountants
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Solicitors
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Financial advisers
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Consultants
Healthcare
Including:
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Dentists
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Doctors
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Physiotherapists
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Veterinary practices
Retail Businesses
Including:
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Shops
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Salons
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Cafés
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Convenience stores
Industrial Businesses
Including:
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Manufacturers
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Logistics operators
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Engineering firms
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Warehousing businesses
Hospitality Businesses
Including:
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Hotels
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Guest houses
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Restaurants
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Public houses
Why Use a Commercial Mortgage Broker?
Commercial lending is one of the most specialist areas of the mortgage market.
Every lender has different preferences, criteria and sector appetite.
Working with a broker can help simplify the process and improve access to suitable funding solutions.
Access to Specialist Lenders
Many commercial lenders operate exclusively through intermediaries. This can provide access to a wider range of funding options.
Understanding Complex Cases
Commercial transactions often involve:
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Multiple directors
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Complex company structures
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Mixed-use properties
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Specialist sectors
Professional guidance can help navigate these complexities.
Saving Time
Researching commercial lenders individually can be time-consuming. We help identify suitable lenders and manage the process from enquiry through to completion.
Commercial Mortgages in Manchester, Cheshire and Across the UK
At Moveo Mortgages, we support business owners, investors and commercial property purchasers throughout Manchester, Cheshire and across the UK.
We regularly assist clients in purchasing commercial property in:
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Manchester
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Altrincham
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Sale
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Stockport
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Didsbury
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Chorlton
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Wilmslow
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Alderley Edge
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Knutsford
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Chester
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Macclesfield
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Nantwich
Whether you're purchasing premises for your business, acquiring an investment property or refinancing an existing commercial asset, we're here to help.
Why Commercial Property Can Be a Powerful Business Asset
For many business owners, commercial property becomes one of the most valuable assets they own.
Unlike rent, which is an ongoing business expense, mortgage payments may contribute towards building equity within the property over time.
Potential benefits of ownership include:
Greater Stability
Owning your premises can provide certainty and reduce reliance on landlords.
Asset Growth
Property values may increase over time, although growth is never guaranteed.
Business Flexibility
Owners often have greater freedom to adapt premises to suit operational requirements.
Retirement Planning
Commercial property can form an important part of long-term wealth and retirement strategies.
Many successful business owners view commercial property ownership as a key milestone in their business journey.
Frequently Asked Questions About Commercial Mortgages
What is a commercial mortgage?
A commercial mortgage is a loan secured against commercial property used for business or investment purposes.
How much deposit do I need for a commercial mortgage?
Deposit requirements vary depending on the lender, property and borrower profile.
Many transactions involve deposits of between 20% and 40%.
Can I get a commercial mortgage through a limited company?
Yes. Many commercial properties are purchased through limited companies.
Can self-employed people get commercial mortgages?
Absolutely. Many commercial borrowers are self-employed business owners, sole traders or company directors.
What types of property can be financed?
Examples include:
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Offices
-
Retail premises
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Industrial units
-
Warehouses
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Mixed-use properties
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Hotels
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Restaurants
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Professional practices
What is a semi-commercial mortgage?
A semi-commercial mortgage is used for properties containing both commercial and residential elements.
Can I buy my business premises?
Yes. Many business owners choose to purchase the premises they trade from.
How long does a commercial mortgage application take?
Timescales vary considerably, but many transactions take between six and twelve weeks. Complex cases can take longer.
Can I remortgage commercial property?
Yes. Many commercial property owners remortgage to secure new rates, release equity or restructure borrowing.
Can I release equity from commercial property?
Potentially, yes. Subject to lender criteria and affordability, equity may be released for business or investment purposes.
Do commercial mortgage rates differ from residential mortgages?
Yes. Commercial mortgage pricing is usually assessed on a case-by-case basis.
What documents will I need?
Requirements vary, but often include:
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Business accounts
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Bank statements
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Identification
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Property information
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Financial forecasts (where appropriate)
Can new businesses get commercial mortgages?
Potentially. Some lenders support newer businesses, although requirements may differ from those applied to established companies.
What is loan-to-value (LTV)?
Loan-to-value refers to the percentage of the property's value being financed by the lender.
Are commercial mortgages regulated?
Some commercial mortgages fall outside the scope of residential mortgage regulation. The treatment depends on the purpose of the borrowing and the type of property involved.
Why Choose Moveo Mortgages?
At Moveo Mortgages, we understand that commercial property transactions can feel significantly more complex than residential mortgages.
Our role is to simplify the process and help you understand your options.
Personal Service
Every commercial transaction is unique.
We take the time to understand:
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Your business
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Your goals
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Your property
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Your future plans
This helps us identify funding solutions tailored to your circumstances.
Access to a Wide Range of Lenders
Commercial lending criteria vary significantly. We work with a broad range of lenders and funding providers to help identify suitable options.
Support Throughout the Process
From your initial enquiry through to completion, we're here to help guide you through the process.
Experience with Business Owners
Many of our clients are:
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Company directors
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Sole traders
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Partnerships
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Property investors
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Entrepreneurs
We understand the challenges business owners face when arranging finance.
Move forward with Moveo.
Related Services
You may also find these services useful:
Development Finance
Funding solutions for residential and commercial development projects.
Bridging Loans
Short-term finance for purchases, refurbishments and time-sensitive opportunities.
Buy to Let Mortgages
Finance for landlords and residential property investors.
Self-Employed Mortgages
Mortgage solutions for company directors, contractors and business owners.
Remortgages
Helping property owners review and refinance existing borrowing.
Life Insurance
Protecting business owners, families and financial commitments.
Mortgage Broker Manchester
Mortgage and property finance advice across Manchester.
Mortgage Broker Cheshire
Property finance advice throughout Cheshire and beyond.
Speak to Moveo Mortgages
Whether you're purchasing your first commercial property, expanding your business premises or growing an investment portfolio, Moveo Mortgages is here to help.
We provide clear, straightforward commercial mortgage advice designed to help business owners and investors make informed decisions with confidence.
If you're considering a commercial property purchase or refinancing an existing asset, we'd love to discuss your plans.
Why Business Owners Choose Moveo Mortgages
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Friendly and approachable advice
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Access to a wide range of commercial lenders
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Support for business owners and investors
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Experience with complex property transactions
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Manchester, Cheshire and UK-wide coverage
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Personal service from enquiry to completion
Contact Moveo Mortgages today and discover how we can help you move forward with confidence.