Commercial Mortgages

Are you looking to purchase or refinance a commercial property? Perhaps you’re an experienced global businessperson with varied investment assets – or you might be taking your first steps into the world of commercial property. Whatever your situation, the Articus Finance team has experience sourcing commercial mortgages – and the best commercial mortgage rates – for individuals from around the world.

What is a commercial mortgage?

Commercial mortgages are used to buy or refinance property for business purposes. Even the most experienced commercial property owners benefit hugely from using a broker to arrange this type of loan; there are fewer lenders on the market, and some of those who are active do not publicly advertise their products, meaning they can only be accessed via an intermediary. There are also various complexities at play, from stress testing and negotiating the best commercial mortgage rates, to finding a commercial mortgage lender who can offer terms on an interest-only basis.

What commercial mortgage rates are available?

Commercial mortgage rates are typically higher than residential property finance. However, the commercial mortgage rates and terms available to you will depend on a number of factors – and a broker like Articus can negotiate the best deals on your behalf.

As with residential finance, it’s usually the case that the larger deposit you are able to place, the cheaper your interest rate will be, and vice versa. However, that’s not to say that there aren’t good deals available for those looking to take out a commercial mortgage at a high loan to value (LTV): it all hinges on knowing the market, presenting your case appropriately, and negotiating effectively. When planning to take out a commercial mortgage, you should also budget for arrangement and valuation fees.

Who can take out a commercial mortgage?

Naturally, lenders will take your background into account when assessing your application. Unlike a residential purchase, where your income and personal circumstances are the biggest factors, there’s more you’ll need to detail in your commercial mortgage application, depending on the type of commercial mortgage you’re searching for.

For example, if you’re applying for a commercial mortgage as an investor, lenders will consider factors such as the nature of your tenants, their leases, break clauses in their contracts, and the location of the asset. While for owner-occupier mortgages, you’ll need to share business accounts and profit projections, and possibly an array of other details.

Whatever your plans, the Articus team has a strong background in commercial property finance and will be able to present your case in the best light to commercial mortgage lenders.

Commercial property mortgages for investors

At Articus, we regularly work with investors looking to purchase or refinance commercial properties. Commercial mortgages for investors are suitable for those who plan to own a building, but not actually operate their personal business from it – such as an office block in which you plan to rent out units to other companies.  

There are many different types of property you might choose to invest in, and the commercial property mortgage you can achieve will very much depend on the asset in question. Whether you are purchasing or refinancing, we have experience securing loans for a range of commercial investment assets and can advise accordingly.

Commercial mortgages for owner-occupiers

Along with commercial property investors, we can also assist with owner-occupier commercial mortgages. Being an owner-occupier of a commercial space offers several benefits, giving you more control and an asset that will appreciate over time, rather than endless rent payments. 

The interest rates available to you on an owner-occupier commercial mortgage will always vary depending on your circumstances. As a rule of thumb, commercial mortgage rates for owner-occupiers are cheaper than standard commercial mortgages. This is because lenders typically perceive an owner-occupier to be less of a risk than someone who is purchasing a space simply to rent it out to others. 

Again, many different types of property may be suitable for an owner-occupier mortgage. This includes retail units, hotels, office blocks, agricultural properties and more. If you have a property in mind, an Articus broker would be happy to advise about what you could expect to achieve.

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Proven Expertise

Our specialist mortgage brokers are highly experienced in negotiating the best mortgages and mortgage rates, no matter how complex your situation.

With over 20 years’ combined experience sourcing the best mortgage deals for global clients, our brokers have the skills, knowledge, and lender relationships to turn your property aspirations into a reality. To find out how we do it, explore our case studies.

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