Commercial Mortgages

Spread the costs over 5 to 25 years 

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A Commercial Mortgage is a loan for businesses for the purpose of procuring, developing or refurbishing a property. Vision Asset Finance offer three types of Commercial Mortgages. 

1. Commercial Owner-Occupied Mortgages

  • Available over a term of 5 to 25 years
  • Mortgage amount available from  £150,000 to £5,000,000 
  • Capital & Interest repayments, up to 2 year Capital Repayment Holiday (CRH) available 

2. Semi-Commercial Mortgages

  • Available over a term of 5 to 25 years
  • Mortgage amount available from  £150,000 to £5,000,000 
  • Capital & Interest repayments. Interest Only (5 to 10 year term) 

3. Commercial Investment Mortgages

  • Available over a term of 5-25 years for capital repayment mortgages 
  • Available over a term of 5-10 years for interest only mortgages
  • Mortgage amount available from £150,000 to £5,000,000
  • Capital & Interest repayments. Interest Only (5 to 10 year term) 

What can a Commercial Mortgage be used for? 

  • Professional Practices
  • Offices
  • Warehouses/ Industrial Units/ Factories
  • Mixed Use/ Multi-Let (exc Residential and Retail) 
  • Retail Units with Commercial Uppers
  • Retail Units with Residential Uppers 
  • Retail Units (Lock Up) 
  • Garages/ Vehicle Showrooms 
  • Food Outlets/ Restaurants
  • Student Accommodation
  • Childrens Day Nurseries 
  • Convenience Stores
  • Hotels/ Public Houses/ Guest Houses/ B&Bs 
  • Leisure 

Why arrange a Commercial Mortgage through Vision Asset Finance?

  • A Commercial Mortgage generally has lower interest rates than unsecured borrowing. Fixed monthly repayments allows for effective and accurate forecasting. 
  • Significant capital gains can be made whenever you buy a commercial property, due to the trend of rising property prices. A large amount of capital could be made when you choose to sell the property.  
  • Some may view renting as money wasted, although it may be favourable in certain situations, a commercial mortgage allows you to increase your equity in the property with each payment giving you a tangible asset at the end of the mortgage. 

Apply below or contact our business loan team today on  +44 (0)28 2565 6000 to ensure you get a competitive finance option.

Apply for a Commercial Mortgage

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