Commercial Mortgages
Are you looking to secure the best Commercial Mortgage for your investment?
At Bournemouth Mortgages we offer:
✔ Expert guidance to access the most competitive rates and terms.
✔ Financing solutions tailored to property investors and business owners.
Why Work With Us?
Navigating the commercial mortgage market can be complex, but it doesn’t have to be.
Bournemouth Mortgages ensures a fast and efficient process with dedicated support.
We help you create the right strategy to secure financing that maximises your investment potential and minimises unnecessary costs.
Securing the right commercial mortgage isn’t just about finding the lowest rate—it’s about structuring the deal in a way that aligns with your long-term investment strategy.
We work with a vast network of lenders to find tailored mortgage solutions that suit your unique needs, whether you're financing your first commercial property or expanding your portfolio.
With us you’ll receive:
✔ Exclusive Access to Lenders – Get deals not available on the high street
✔ Tailored Financial Strategies – Expert advice tailored to your investment goals
✔ End-to-End Support – From application to approval, we handle the process
No obligation, just expert advice to help you make the best financing decision.
What our clients say...
"A great service provided for a commercial mortgage, would highly recommend."
"George is a fantastic Mortgage advisor. He is attentive and works hard to ensure that the customers needs are met. He was fantastic with responses and gave regular updates about the mortgage process. Would highly recommend his services."
"Absolutely fantastic service. It was a breath of fresh air dealing with George, who went about the process meticulously, making sure all our requirements were satisfied and subsequently finding us the best remortgage that suited our needs within our specific requirements. George was excellent throughout the whole process. Problem solving and making sure we understood every part of the process. I would say he went above and beyond in his communication and professional approach and made what was a difficult remortgage seem very smooth, which really helped ease our stress. I would most highly recommend George."
Commercial Mortgages: The Ultimate Guide for Business Owners & Investors
What Is a Commercial Mortgage?
A commercial mortgage (also known as a business mortgage) is a loan used to purchase or refinance commercial property. This can include:
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Office buildings
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Retail spaces & shopping centres
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Industrial warehouses
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Apartment complexes & mixed-use properties
Whether you're a business owner looking to buy premises or an investor expanding your portfolio, a commercial mortgage provides essential funding for long-term growth.
Why Compare Commercial Mortgage Rates?
Commercial mortgage rates and terms vary widely between high-street banks and specialist lenders.
💡 Key reasons to compare lenders:
✔️ Some lenders offer higher loan-to-value (LTV) ratios, reducing the deposit required.
✔️ Flexible repayment terms may be available with specialist lenders.
✔️ Different lenders have varying risk assessments, which can impact interest rates.
A side-by-side comparison ensures you secure the best possible deal tailored to your needs.
Types of Commercial Mortgages
There are two main types of business mortgages:
1. Owner-Occupied Commercial Mortgages
Best for business owners who want to own their premises rather than rent. Benefits include:
✔️ Long-term financial security
✔️ Potential property value appreciation
✔️ Control over the premises without landlord restrictions
2. Commercial Buy-to-Let Mortgages
Ideal for property investors looking to rent out commercial spaces. Benefits include:
✔️ Steady rental income
✔️ Potential capital growth
✔️ Tax benefits in some cases
How much can you borrow?
Your borrowing capacity depends on several factors:
📌 Loan-to-Value (LTV): Most lenders offer between 60% and 80% LTV, meaning you need a 20-40% deposit.
📌 Property Type & Location: High-demand areas may secure better terms.
📌 Business Financials: Lenders assess profitability, turnover, and credit history.
💰 Typical Loan Amounts: Commercial mortgages typically start at £100,000 and can go up to £30 million depending on the lender.
Commercial Mortgage rates and costs
Commercial mortgage rates range from 7.5% to 10%, depending on:
✔️ Deposit size – Larger deposits attract lower interest rates.
✔️ Business sector – Some industries are considered higher risk.
✔️ Loan term – Shorter loans often have higher monthly payments but lower overall interest.
✔️ Location – Prime city locations generally secure better rates.
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Interest Rates: Commercial mortgages typically have higher rates due to increased risk.
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Loan Terms: Business mortgages often run for 15-25 years, compared to 25-30 years for residential.
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Assessment Process: Lenders assess business financials & property viability, not just personal income.
Additional costs to consider
Before applying, factor in these extra costs:
💰 Deposit: Typically 20-40% of the property’s value.
📜 Stamp Duty: Required on properties over £150,000 (varies by price bracket).
📎 Arrangement Fees: Lender charges, usually 2-3% of the loan amount.
❌ Exit Fees: Some lenders charge early repayment fees – check before signing.