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Commercial Mortgages for Trading Businesses

Trading business commercial mortgages explained:
These are commercial and business mortgages for all types of businesses that will use the property to trade from, rather than let to a third-party tenant.

We can also arrange Semi-Commercial investment mortgages.

What is a Trading Business property? These are properties that are purchased with the intention to trade from, for example:

  • B&Bs
  • Bars and Pubs
  • Hotels
  • Industrial Units
  • Offices
  • Restaurants and Cafés
  • Retail Units/Shops
  • Takeaways
Key Features: Trading Business Mortgages
  • Trading Business Mortgages from £100,000 to £50 million; subject to affordability and credit criteria
  • Loan to values up to 75% (100% with cross charges)
  • Mortgage Term: 1 to 30 years
  • Payments: interest only / capital repayment
  • Purchase / Refinancing / Capital Raising 
  • No minimum outside income / All income types
  • No max of number of rooms / units
  • No max of number of tenancies
  • All credit histories: High Net Worth to Credit Repair
  • All applicant types: Individuals / Corporate (Ltd Co’s) / SSAS etc.
  • All tenures: Freehold / Leasehold
  • All residential tenants: Working, Students, LHA
  • All residential tenancies: AST to Corporate Leases
  • All business tenants: No restrictions on industry/sector
  • All business tenancies: Fully repairing leases / Licences

Why do you need a Trading Business Mortgage?

Also known as a Commercial Business mortgage, these are used to purchase/refinance properties with the intention to trade from. 
For example, A client who has their own trading business wishes to buy/refinance a property to trade from.

High loan-to-values (LTVs) are available; 100% funding can be achieved with additional security or by introducing more than one lender to a case.


Loans / Mortgages ranging from £100,000 to £50 Million (smaller loans can be considered in exceptional circumstances).

Our advisers offer a free consultation, so please give us a call or use the “Get in Touch With Us” form at the end of this page

Advantages of Trading Business Mortgages

  • Fixed-rates are available.
  • All income levels, evidence of income, credit histories & funding requirements will be considered.
  • High loan to values are available.
  • Financing terms can be short or long-term to suit your needs.

Disadvantages of Trading Business Mortgages

  • Variable-rate mortgages can be offered however, you will be susceptible to increases in interest rates.

How can YOU benefit from our advice?

  • If speed is essential to the transaction, our advisers will prioritise your case to ensure deadlines are met.
  • Our Advisers have expert knowledge when it comes to Trading Business Mortgages.
  • We offer a FREE assessment and have a no upfront fee policy. Our typical fee for 99% of our clients is capped at £395
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