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How much can I borrow?

How much can I borrow?

This will depend upon what you want to do with your property; what type of business you run and the length of time you have been trading for. Businesses such as offices or shops, for example, will often command a maximum LTV ratio of around 75-80%, while commercial buy to let investment properties will invariably have a lower LTV (usually no more than 65%) and will be charged at a higher rate of interest. New businesses or businesses with a limited trading history can expect to receive a LTV ratio of around 50% of the purchase price and this will obviously push the amount needed for a deposit to a very high level.

The vast majority of commercial mortgages are offered at a variable rate, although it is possible to find fixed mortgages (especially for loans under £50,000). Rates are charged in relation to the level of risk associated with the loan, however because the overall risk associated with commercial mortgages are regarded as higher than for residential mortgages, interest is generally higher.

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