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Creative Financial

Commercial Purchase

Buy to Let Mortgages

Buy-to-let mortgages are specifically for properties that landlords let to tenants and are often more expensive than residential mortgages

Commercial mortgagesĀ are arranged for the purpose of purchasing or re-mortgaging property that is primarily for commercial or business use and can be arranged for as a form of investment (commercial buy to let) or for a business to trade from.

There are two types of commercial mortgage: an owner occupier mortgage for trading premises and a commercial investment mortgage for those looking to invest in commercial property. We can help you look at both.

We aim to find the best commercial mortgages for both investors and business owner-occupiers. So, talk to us today and let us help you.

Commercial buy to let mortgages are not regulated by the Financial Conduct Authority




Commercial Mortgages

Owner-Occupied Commercial Mortgage

An Owner Occupied business mortgage is where an applicant is looking to purchase a property to run their business from.

Owner-Occupied Commercial Mortgages are looked at more favorably than investment mortgages because the lenders feel there is less risk with this type of mortgage. The lenders will generally look to offer a standard loan to the value of approximately 70-75% LTV on an owner occupied commercial mortgage.

An advantage of owner occupied commercial mortgages is that the rates that lenders charge are often considerably lower and the terms of the commercial mortgages can be longer if required. Interest rates can be fixed or variable.

Benefits of owner occupied commercial mortgages

An owner occupied commercial mortgage will put you in control, putting an end to unwanted charges or price hikes form a landlord; especially if you have a fixed rate mortgage.

The general trend of property values is to go up, of course there is no guarantee.

Interest repayments on an owner-occupied commercial mortgage are tax deductible.

Whether you're considering a commercial mortgage as a business or an investor, we can make the application for you and ensure that your loan application is presented in the format the lender prefers.



Your property may be repossessed if you do not keep up repayments on your mortgage.

The property market can be illiquid; consequently, there can be times when investors in property will be unable to sell their investments.