Owner-Occupied Commercial Mortgages

Secure Your Business Premises with the Right Commercial Mortgage

Tailored financing solutions designed to help you purchase or refinance your business
property with confidence.

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What is an Owner-Occupied Commercial Mortgage?

An owner-occupied commercial mortgage is designed for businesses that want to purchase or refinance a property they will trade from. This type of financing applies to various sectors,including industrial, offices, retail, healthcare and more.

Key Benefits

Own Your Premises – Stop paying rent and build equity.
Potential Cost Savings – Mortgage payments can be more affordable than renting.
Long-Term Stability – Secure your business location without landlord uncertainties.
Flexible Repayment Terms – Tailored to suit your cash flow and growth plans.
Refinance – Lower repayments, free up capital to reinvest in business growth or consolidate debt.

Who is Eligible?

Limited companies, sole traders, partnerships, LLP, pensions (SIPP or SSAS), charities.
Established businesses with proven financials.
Startups (case-by-case with strong business plans, relevant experience, and forecasts).
Sectors include Industrial, Healthcare, Agriculture, Automotive, Leisure, Retail, Hospitality, Offices, Education, Creative and Media.

How much can you borrow?

Loan-to-value (LTV) typically up to 80%.
Higher LTV possible with additional security.
Affordability is determined by the profitability of a business and the level of borrowings it has.
Loan amounts starting from £100,000 to £50M+.

Interest Rates & Terms

We secure the best rates from the market, ensuring you get the most competitive and suitable deal possible.
Rates depend on risk profile, deposit, and lender criteria. Interest rates typically start from 1.5%-5% above Bank of England base rate, but fixed rate options can often be more competitive.
Repayment terms typically 5 to 30 years.
Fixed and variable rate options available.
Capital and interest, and interest only 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 are the benefits of using VAST over going directly to my bank?VAST2025-03-21T14:55:16+00:00

What are the benefits of using VAST over going directly to my bank?

VAST gives you access to a wider range of lenders, meaning better rates and more flexible terms than a single bank can offer. We handle the entire application process, saving you time and increasing approval chances – especially if your business has unique financial circumstances.

What deposit is needed for an owner-occupied commercial mortgage?VAST2025-03-21T14:55:08+00:00

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