???? Commercial Mortgages in the UK – A Complete Guide for Business Owners
What is a Commercial Mortgage?
A commercial mortgage is a type of secured loan used to purchase or refinance property for business use. Whether you're buying your first office space or expanding a property portfolio, commercial mortgages offer tailored solutions for business growth in the UK.
Who Needs a Commercial Mortgage?
- Business owners purchasing their own premises
- Investors buying rental or mixed-use property
- Landlords growing their buy-to-let or HMO portfolio
- Developers or traders refinancing for better terms
Key Benefits of Commercial Mortgages
- ✅ Lower interest rates than unsecured loans
- ✅ Spread repayments over 3–25 years
- ✅ Own a growing asset instead of paying rent
- ✅ Improve cash flow with tailored terms
Types of Commercial Mortgages in the UK
1. Owner-Occupied Commercial Mortgages
Perfect for companies that want to stop renting and own their premises.
2. Commercial Investment Mortgages
Ideal for investors looking to buy property to let out for income.
3. Semi-Commercial Mortgages
For mixed-use buildings like shops with flats above – common in UK high streets.
How Much Can You Borrow?
At Good News Mortgages, we help secure up to 75% LTV (Loan-to-Value) with competitive rates from top UK lenders. Loan amounts typically range from £50,000 to £10 million, depending on your needs and financials.
What Lenders Look For
- A strong credit history
- Trading history (preferably 2+ years)
- Proof of income or rental yield
- Solid business plan or investment strategy
- Upfront deposit (20%–40%)
Why Choose GoodNews Mortgages?
As a Coventry-based independent broker, we:
- Compare deals from major banks and specialist lenders
- Offer expert guidance every step of the way
- Help clients across the UK
- Have years of experience with high street and complex mortgages
We don’t just find you a mortgage – we find the right one for your goals.
Documents You’ll Need
- Last 2–3 years of business accounts
- 6 months’ bank statements
- Property details
- ID and proof of address
- Lease agreements (if applicable)
Expert Tip
Refinancing an existing commercial mortgage?
Rates in 2025 are still competitive – now could be a great time to lock in better terms or release equity for business growth.
???? Ready to Apply?
Whether you're based in Coventry, the Midlands, or anywhere in the UK, Good News Mortgages is here to support your business. Get a fast decision and professional advice tailored to your needs.
???? Call: +44 247 736 0268
???? Visit: goodnewsmortgages.co.uk
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Final Thought
With the right broker by your side, getting a commercial mortgage in the UK can be smooth, affordable, and strategic. Contact us today and let’s turn your property ambitions into reality.