Commercial Mortgages

Whether you’re buying a property for a trading business or solely as an investment, the team at Ramsay & White make complex commercial mortgages simple and direct.

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Why use Commercial Finance?

Commercial finance can provide the funding and flexibility your business needs to stimulate growth and succeed in the competitive world of commercial property.
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Purchase Business Premises or Land

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Grow Buy-to-Let Portfolio

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Fund Business Expansion

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Build Long-term Capital Gains

Our Areas of Expertise

Our Commercial Mortgages Services

At Ramsay & White, we will use our product and market expertise to tailor the best solution for your commercial finance requirements.

Commercial Finance FAQs

Find answers to the most commonly asked questions about our commercial mortgage services, including eligibility criteria, interest rates, repayment periods, and more.

What is a Commercial Mortgage?
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A Commercial Mortgage is a long-term loan (typically up to 25 years) that is used to purchase (or refinance) any land or property used for business purposes. Just like a traditional residential mortgage, money is borrowed and secured against a property. While there are less Commercial Mortgage products available on the market, their overall value is higher than residential mortgages.

What can a Commercial Mortgage be used for?
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You can take out a commercial mortgage for many different purposes, such as:

  • To buy business premises (and save on monthly rent)
  • To secure land for development
  • To expand an owner-occupied business
  • To add to a buy-to-let portfolio
  • To release capital for investment or growth
  • To consolidate business debts
  • To buy new equipment
  • To sub-let or lease part of the building for additional income
What are the benefits of using a Commercial Mortgage?
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Using a commercial mortgage to purchase a business premises can lead to long-term capital gains. If the property goes up in value, the business capital does too. As the equity rises, this can then be used to re-invest into the business to fund expansion or purchase additional investments.

What type of business can use a Commercial Mortgage?
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There’s plenty of choice in commercial mortgages for businesses including:

  • Shops
  • Offices
  • Factories
  • Warehouses
  • Restaurants
  • Pubs
  • Hotels and B&Bs
  • Working farms
  • Mixed-use properties
What deposit do I need for a Commercial Mortgage?
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Given that most lenders will provide up to 70% LTV, this means you will be required to provide a deposit of 30%.

Most lenders will understand that many companies are asset rich but cash poor and therefore will accept security from an existing property.

What interest rates are available with commercial mortgages?
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Due to being higher-risk than a residential mortgage, interest rates on a commercial mortgage are higher, too. Commercial Mortgage rates usually start from 2.95% , and will differ from lender to lender based on the amount borrowed and the loan term.

With a variable commercial mortgage, the rates are set against the Bank of England so will change based on the set rate at the time. Conversely, with a fixed rate mortgage, the rates are locked in for a specific period of time.

Who can apply for a Commercial Mortgage?
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Given that commercial mortgages are used for business purposes, limited companies, SPVs, LLPs, partnerships and sole traders can typically apply for a commercial mortgage. Additionally, some lenders will even consider clients with poor credit, low income and start-ups.

What is the eligibility criteria for a Commercial Mortgage?
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Although the criteria varies from lender to lender, most lenders will take the following into consideration:

  • Cash flow
  • Level of debt
  • Property usage
  • Current and projected business income
  • Ability to repay the loan
  • 3 year’s trading accounts
  • Asset and liability statements
  • Last 3 months’ business bank statements
  • Certified proof of ID
  • Proof of residency (utility bill or bank statement)
  • Details and profiles of all directors and partners of the business
What fees do I need to pay with a Commercial Mortgage?
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The exact amounts will vary across the market, however you can typically expect to pay:

  • Broker fee
  • Application fee
  • Valuation fee
  • Arrangement fee
  • Legal fee
  • Exit fee
  • Administration fee
Can I get a commercial mortgage for a new business?
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It’s possible to find commercial mortgages for businesses that are just starting out. But your options will be limited, as lenders typically want to loan to established businesses with proof of profitability. For a start-up business, you’ll probably need to put down a deposit of at least 40%. And interest rates are typically higher at around 7% per year.

Have more questions?
Schedule a call with our Team

Client Case Studies

Learn from real-life examples of how we've helped businesses secure the right commercial mortgage for their properties and investments.

What an excellent, professional and friendly service. Ramsay & White have helped us launch our Property Investment business, and done so with guidance and support along the way. Here is to many more deals. Thank you

Alex Johnson

I would not go with anyone else if I wanted to buy a property Ramsay & White have been absolutely fantastic with me through every step. Paul and Lewis have been amazing with me keeping me updated on any changes. The communication is brilliant and you can contact them anytime about anything. They made my experience very stress free as I'm new to the buying market. Would highly recommend this company!!

Robert Bevan

Ramsay & White have done a fair few mortgages for us in the past and they have never disappointed. A special mention goes to Dean and Lynsey. We are very thankful to them both for making our lives easier when it comes to remortgages and the purchasing of new properties.

Mamta K.

Smooth process great communication and service! Highly recommended company Paul and Hannah handled my remortgage with no issues. I’ll use this company again. Thanks guys!

V. Genchev

Great Service! Olly and Will did an amazing job, would definitely recommend. Will be using Ramsay and White for all future purchases. Thanks!

Sienna Farrell
How we help you

Our Process for Commercial Mortgages

Our streamlined process makes it easy for you to secure the right commercial mortgage for your business. After your initial consultation, we assist you with property search and analysis, mortgage application and approval, completion, and ongoing support and portfolio management.

Initial Consultation

We start with an initial consultation to discuss your business goals and tailor solutions to meet your specific requirements.

Search & Analysis

Our experts conduct a comprehensive search and analysis of commercial properties or investments that meet your needs, taking into account factors such as location, value, and return on investment.

Application & Approval

We will guide you through the mortgage application and approval process, providing advice on the most suitable mortgage options for your needs and keeping you informed of progress throughout.

Completion & Ongoing Support

We ensure a smooth and efficient completion process for your commercial mortgage, and provide ongoing support and guidance for managing and optimising your investment.

Review & Optimisation

Our team provides ongoing portfolio management services, including regular reviews, performance analysis, and recommendations for optimising your investment strategy, to help you achieve your business goals and maximise your return on investment.

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Why Ramsay & White?

Learn more about Ramsay & White and our team of experts behind our property, wealth management and finance services.

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