COMMERCIAL INVESTMENT & TRADING BUSINESS MORTGAGES

Parameters

Loan Size: £250,000 to £100,000,000

Maximum Gearing: Up to 80% LTV

Term: Up to 30 years

Location: Nationwide

KEY FEATURES OF THIS PRODUCT

Commercial Investment & Trading Business Mortgages are two primary types of commercial property finance used by businesses or investors to purchase, refinance all asset classes in any sector for commercial property. These are distinct from residential mortgages and cater specifically to properties used for commercial or investment purposes.

Here are the key features Commercial Investment Mortgages:

• Typical asset classes are office buildings, retail shops, mixed use and PBSA.
• Used by property investors (not owner-occupiers) to buy or refinance commercial property that will be let out to tenants to generate rental income.
• Used by landlords: Suitable for individual landlords or limited companies (SPVs) on long term loan basis
• Can be have a flexible term from 2, 5 ,10 and up to 30 years.
• Can be interest only or full capital repayment
• Rental income from tenants is used to service the loan

Here are the key features Trading Business (Owner Occupier) Mortgages:

• Typical asset classes are Hotels, Apart Hotels, Care Homes, Restaurants, Children’s Nurseries
• Used by trading business or operators to buy or refinance commercial property that will used to trader or operate from the property.
• Used by landlords: Suitable for individual landlords or limited companies (SPVs) on long term loan basis
• Can have a flexible term from 5 ,10 and up to 30 years.
• Can be interest only or full capital repayment
• The trading business ot operational income from the business is used to service the loan
• The business trading history , company accounts and client sector experience are used to assess the loan approval.