Nationwide Mortgage Brokers
We specialise in refinancing commercial properties and providing mortgage and short-term finance solutions across the UK.
Free 15 Min Discovery Call
Expert Advice
Market Leading Packages
Commercial mortgage lenders provide a range of mortgage products. Some of the most common options include:
Owner-Occupied Mortgages: For purchasing or refinancing your own business premises. Typically up to 75% LTV.
Buy-to-Let Mortgages: For financing properties to rent out commercially. Typically up to 70% LTV.
HMO Mortgages: For properties with multiple tenants (Houses in Multiple Occupation). Typically up to 60% LTV.
Short-Term Loans: Bridging finance typically repaid within 1-3 years. Typically up to 70% LTV.
Development Loans: For financing construction or renovations. Typically up to 65% LTV.
Portfolio Mortgages: For landlords with multiple properties. Typically up to 70% LTV.
How to Apply for a Commercial Mortgage
Applying directly with a lender requires a lot of paperwork. However, working with a specialist mortgage broker simplifies the entire process.
So, how does it work? Here’s a quick overview of what to expect during the application:
Find a Property
& Make a Offer
Consult a
Broker
Provide
Documentation
Complete
Process
A commercial mortgage is a long-term loan secured against a non-residential property used for business purposes, such as an office, shop, restaurant, factory, or warehouse. The property acts as collateral if you fail to make repayments.
Repayments are made monthly over a set term, typically between 10 and 30 years. Interest rates can be either fixed or variable, and the loan amount is based on the property's value and your overall financial situation.
While commercial mortgages are similar to residential mortgages, there are key differences:
Brilliant service, kept us up to date throughout the whole process, As a first time buyer this was stressful for me and my partner and Alex made sure we understood the process every step of the way. Will 100% use AJL when needed next.
Commercial mortgage lenders provide a variety of loan products. Some common types include:
Owner-Occupied Mortgages: Used for purchasing or refinancing your business premises, typically with up to 75% LTV.
Buy-to-Let Mortgages: For financing commercial rental properties, generally offering up to 70% LTV.
HMO Mortgages: Designed for houses in multiple occupations (HMOs), typically with up to 60% LTV.
Short-Term Loans: Bridging finance with a repayment term of 1-3 years, typically up to 70% LTV.
Development Loans: For funding construction or renovation projects, typically with up to 65% LTV.
Portfolio Mortgages: For landlords owning multiple properties, typically with up to 70% LTV.
How does AJL Mortgages work?
At AJL Mortgages, we simplify the home-buying process with expert guidance, ensuring you receive professional support every step of the way.
As an award-winning broker, we offer free mortgage and protection advice tailored to both first-time buyers and seasoned investors. Trust AJL Mortgages for a smooth, stress-free home-buying experience.
We'll review your current circumstances and property goals, evaluating your borrowing capacity to help identify the most suitable mortgage lenders.
An AIP provides an estimate of your borrowing power. With this in hand, you can confidently explore properties within your budget and make informed offers.
After your offer is accepted, we recommend the most suitable lenders and mortgage products. We manage every detail of your mortgage application to ensure a seamless experience.
Book A Free 15 Min Call to Review Your Options
Reviews
We wouldn’t be where we are without our incredible clients. We take pride in building genuine, one-on-one relationships, offering tailored mortgage advice that suits each individual’s needs.
Brilliant service, kept us up to date throughout the whole process, As a first time buyer this was stressful for me and my partner and Alex made sure we understood the process every step of the way. Will 100% use AJL when needed next.
Brilliant service, kept us up to date throughout the whole process, As a first time buyer this was stressful for me and my partner and Alex made sure we understood the process every step of the way. Will 100% use AJL when needed next.
Brilliant service, kept us up to date throughout the whole process, As a first time buyer this was stressful for me and my partner and Alex made sure we understood the process every step of the way. Will 100% use AJL when needed next.
