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Commercial property

Shops, offices and mixed buildings are underwritten on the property and the occupier. The residential repayment calculator is the wrong tool for the loan itself.

Use class and what actually happens thereThe planning use and the tenant's trade.
The occupational leaseTerm, rent, breaks and whether it is inside the Landlord and Tenant Act 1954.
Who pays the rentA vacant building is a different case from a let one.
Personal name or a companyCommercial borrowing is often in a company. Say which.
Any flat in the same buildingIf there is one, the semi-commercial page applies.

What this page will not do

We do not publish commercial interest rates.
A residential regulated mortgage and a commercial loan are different permissions. The broker has to be authorised for the work they do.
It will not name a lender, a product, or an approval chance.

Questions

Can I use the mortgage calculator?: Only as a private illustration of a number. It is not a commercial quote.
Do you introduce commercial brokers?: Tell us it is commercial on the introduction form. We do not promise a match for every commercial case.

MortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.

The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Want a broker to look at your own numbers?

An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.

Speak to a broker experienced with commercial property