Commercial & Buy-To-Let Mortgages Product Guide

Given the right opportunity, many businesses would consider owning the premises they operate from and ambitious commercial landlords would explore opportunities to increase their portfolio. A structured mortgage allows you to do just that. So whether you’re looking to purchase, invest in or remortgage commercial properties, mixed-use schemes or large residential portfolios, we’ve got the expertise to support different scenarios.

FeatureCommercial & Buy-To-Let mortgages
Credit line From £50k – £20m
LTVUp to 75%
Length of fixed ratesOver 3 to 7 years
Capital repayment termUp to 25 years. Repayment holidays can be
considered on a case by case basis.
Acceptable unitsoffices, warehouses, industrial, purpose-built
student accommodation, equestrian centres,
daycare/nursing homes, petrol stations,
mixed use portfolios, HMOs, retail units and
large residential portfolios
VAT loans available on vatable commercial properties
Suitable forOwner occupied commercial properties and investment assets
Charge1st and 2nd charge basis
GeographyCovering the whole of Great Britain including Scotland and Northern Ireland
SuitabilityOwner occupied, investment properties and commercial property

N.B. This document does not constitute a recommendation or advice in relation to any financial product. We believe that the information and analysis provided is accurate, but do not guarantee that this is so. Any opinions expressed are the opinions of FundingSmiths. We accept no liability for any loss or damage incurred through your use of this document.