Commercial Investment

Secure the Best Commercial Mortgage for Your Commercial Investment Premises

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What is a Commercial Investment Mortgage?

A Commercial Investment Mortgage finances the purchase or refinance of rental commercial property. Lenders assess rent levels and lease strength, while borrowers focus on cash flow and capital growth.
We provide mortgages for properties beings used for retail, office, industrial, leisure and healthcare.
The property can have a single tenant, or multiple tenants with different uses and we can finance anything from a single property to a whole business park.
We’re experts in providing commercial mortgages for purchase, as well as refinancing of existing property.

Key Benefits

Boosted Return on Capital: Leverage a lender’s funds alongside your own to maximize ROCE and grow your portfolio.
Income Diversification: Spread risk across asset classes, enhancing returns while avoiding overexposure to a single property type.
Tax Efficiency: With the right structure, mortgage interest can be offset against rental income.
Flexible Repayments: Choose interest-only, capital repayment, or hybrid options, ideal for properties needing upfront investment.
Capital Raising: Unlock equity in existing properties by refinancing based on increased rent or value.

Who is Eligible?

Limited Companies, PLCs, Sole Traders, Private Individuals, SIPPS and Partnerships are all able to use commercial mortgages. Lenders will look at several factors when assessing suitability and price including:

Investor Experience: Lenders assess the track record of individuals, partners, or directors.
Property Condition: Must be tenant-ready, ideally already let or soon to generate rental income.
Rental Coverage: Rent typically needs to cover 125%–170% of mortgage payments. The strength of the lease. Naturally a 15-year lease with a large PLC is more favourable than short lease with an early-stage company.

How much can you borrow?

Loan-to-value (LTV) typically up to 65% but there are lenders able to offer 75% for the right property, tenant and rental profile
Higher LTV possible with additional security.
Loan amounts starting from £100,000 to £50M+.

Interest Rates & Terms

Rates will depend on the eligibility criteria but typically can be 1.5% to 5% above base rate
Repayment terms typically 5 to 30 years.
Fixed and variable rate options available.

Why choose VAST?

Value: Our large and diverse lender panel mean that we can negotiate the best terms on your behalf.
Access: We connect you with lenders, products, and senior decision-makers not always available directly, leveraging our industry expertise. We work with over 120 lenders from high street banks to challenger banks and private lenders.
Service: We offer a personal service where you have just one point of contact from start to finish. We are experienced and have substantial expertise that supports investors to navigate the market conditions. We’re the Private or Corporate Bank Manager you wish you had on your side.
Trust and Time: We work for you, not the lender. We’re listen to your needs and deliver the solution that is in your interests. That includes total transparency around fees from the start. By handling every detail from start to finish we give you back the one thing you cannot buy – time.

What deposit is needed for commercial mortgage?VAST2025-03-21T14:36:43+00:00

What deposit is needed for commercial mortgage?

Usually 35% but this can increase or decrease on the strength of the rent and tenant.

Can I get a commercial mortgage if I’m a startup?VAST2025-03-21T14:36:53+00:00

Can I get a commercial mortgage if I’m a startup?

Yes…if the property is or can be tenanted and the property and level of rent is suitable you should be eligible.

What other costs are involved?VAST2025-03-21T14:37:00+00:00

What other costs are involved?

You will need to allow for the lender’s arrangement fee, our fee, a valuation fee and legal costs.

How does it work?VAST2025-03-21T14:37:09+00:00

How does it work?

We start by understanding your property, tenants, and goals. Then, we present tailored lender options, guiding you through the best choices. Once you decide, we handle the application, coordinate valuations, and work with solicitors to ensure a smooth, fast completion.

How long does the approval process take?VAST2025-03-21T14:37:16+00:00

How long does the approval process take?

We can often get you indicative terms on the same day and have them firmed up by a senior member of the bank’s team within 48 hours. Usually, we can get you a credit backed offer within a few days.

What information and documents do I need to provide?VAST2025-03-21T14:37:24+00:00

What information and documents do I need to provide?

We would need financial statements for you and your legal entity, the property and tenant details and ideally copies of any existing leases to get you to a credit backed offer.

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