Investment & Trading Business Mortgages

£100,000 – £20 million – 3 to 30 years. Repayment and interest.

Focus Commercial sources mortgages, and arranges trading business and investment mortgages in residential/semi commercial and wholly commercial sectors for experienced professionals in the relevant categories below. We can source mortgages for the full range of legal structures such as Ltd Companies, Special Vehicle Ltd Companies, and also pensions such as SIPPS and SASS’s, using the whole market.

From high street banks, to specialist lenders where Focus Commercial has been put onto the panel as strategic partners due to its benchmark packaging skills which are known and respected in the financial industry.


Residential Investment
- Buy to let
- Large portfolios
- Student accommodation (cluster rooms in units)

- Retail with accommodation above
- Restaurant with accommodation above

- Warehouses
- Offices

Trading Business Mortgages (of which Focus Commercial has specific sector knowledge of those below)
- Children's nurseries
- Care homes
- Hotels
- Restaurants


  • Interest only up to 75% loan to value
  • Loans from £100,000 to £20,000,000
  • Debt to service cover ratio multiple of up to
  • EBITDA maximum ratios known by Focus
  • Focus Commercial can have mortgages
    drawn down in 4 weeks

Case StudyBrochure - final

• New client from Wandsworth London approached Focus Commercial
• Had been trying to raise monies on a £5.8m residential portfolio with no success
• Focus Commercial accepted him with a decision in principle within 1 hour
• Client discovered that he needed building regulations sign off on one of the properties
• Client liaised with Waltham Forest Council to have the property inspected within 24 hours
• Focus obtained instructed valuation and obtained offer in 1 week
• Client loan was completed and funds drawn down to purchase another property

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