Business mortgages, owner-occupier

Turn rent into ownership

We arrange the mortgage that lets a trading business buy the premises it works from, or refinance the ones it already owns. The case is built on your accounts and your profits, not just the bricks. Whole of market, on your side of the table.

See the mortgages we arrange

You trade

Rent goes out

£600,000 mortgage arranged

You own it

You hold the keys

The mortgage: We arrange it

From 6%

Owner-occupier rates

70 to 80%

Typical loan to value

5 to 25 yrs

Mortgage terms

Whole market

Lender panel

Whole-of-market lender panelOwner-occupier premises financeUnderwritten on your accountsNo charge to enquire

What we arrange

Mortgages for the premises you trade from

Buying your first premises, refinancing the ones you own, or moving quickly on the right unit. Pick the finance that fits, or tell us the deal and we will steer you.

Business Mortgages

A business mortgage lets your trading company buy the premises it works from. See how lenders underwrite on accounts, plus LTV, rates and terms. Talk to us.

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Owner-Occupier Mortgages

An owner occupier mortgage funds premises your business will trade from, underwritten on your accounts and covenant. See how lenders assess it and talk to us.

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Remortgaging Business Premises

Remortgage business premises to cut your rate, release equity for growth or exit a bridge. See how it works, LTV and early repayment charges. Talk to us.

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Business Premises Bridging

Business premises bridging funds a fast or auction purchase before you refinance to a mortgage. See rates, rolled-up interest and the exit needed. Talk to us.

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Buying Premises Through a Pension

Thinking of buying your business premises through a pension? We explain how a SSAS or SIPP purchase works, then introduce you to specialists. Talk to us today.

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Franchise and Professional Practice Mortgages

Buying premises for a franchise unit or professional practice? We arrange owner-occupier mortgages built around your goodwill and recurring income. Talk to us.

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How it works

From enquiry to owning your base

We are a broker, so the job is to match your deal to the right lender and keep it moving. Four steps, no jargon.

Tell us the premises and the numbers

The unit, office, surgery or shop you want to buy or refinance, the price, the deposit you can put in, and a picture of how the business trades.

We place it with the right lender

We take your accounts and the property to the lenders whose criteria fit an owner-occupier deal of your size and sector, then compare the terms that come back.

Valuation and legals

The lender values the premises and instructs solicitors. We keep the survey, the legal work and the offer moving so completion is not held up by admin.

You complete and own your base

You draw the mortgage, complete the purchase or refinance, and your monthly payments build equity in an asset the business owns rather than rents.

Why businesses buy their premises

Stop paying off someone else's mortgage

Rent leaves the business every month and never comes back. A business mortgage puts that money into an asset the company owns, on terms built around how you trade.

Own the premises you work from

An owner-occupier mortgage lets a trading business buy the offices, workshop or unit it already runs from, so rent becomes a payment that builds equity.

Borrowing built on your accounts

Lenders assess the deal on your profits and how comfortably the business covers the payments, not on rental income, so a strong trading record does the work.

Release equity to grow

Refinancing premises you already own can free up capital held in the building to fund expansion, equipment or working capital, at a lower rate than most other finance.

Fix your occupancy cost

Owning your base takes your core property cost out of a landlord's hands and away from open-ended rent reviews, which makes long-term budgeting far easier.

Rates & costs

How a business mortgage is priced

Every business mortgage is priced on the strength of the trading business and the premises together. Because we work across the market, we place each case with the lender whose criteria and rate fit your accounts, your sector and the building, rather than sending you to a single high-street desk.

Owner-occupier rate

From around 6%, priced on your accounts, the loan to value and the premises, usually on capital and interest

Loan to value

Typically 70% to 80% for a strong trading business, so plan for a deposit from around 20% to 30%

Term

Commonly 5 to 25 years, spread to keep the monthly payment comfortable against trading profit

Bridging

Around 0.75% to 1.1% per month for a fast or auction purchase, repaid on refinance to a mortgage or on sale

Fees

Lender arrangement fee typically 1% to 2%, plus valuation and legal costs, all set out before you commit

Illustration: buying a £750,000 unit

£750,000

Purchase price

£562,500

Mortgage at 75% LTV

On a £750,000 owner-occupied unit at 75% loan to value, the mortgage is £562,500 and the deposit is £187,500 plus costs such as the arrangement fee, valuation, legal fees and stamp duty. The rate and term depend on your accounts and the premises. This is an illustration, not a quote.

The overview

Business mortgages for owner-occupiers

A business mortgage lets a trading company buy the premises it works from and pay for it over the long term, so the money that used to leave as rent builds equity in an asset the business owns. We arrange these across the market, and we build the case on how the business actually trades.

Finance built on your accounts, not just the bricks

An owner-occupier mortgage is assessed as core business finance. Because you occupy and run from the building, lenders look at your accounts, profits and cash flow to check the business can comfortably service the payments, alongside the value and suitability of the premises. That is the opposite of investment lending, which leans on rental income. A settled, profitable trading business, with clean figures and a sensible balance sheet, presents a strong case.

Buying and refinancing your premises

We arrange mortgages for a business buying its first freehold, a company moving to a larger site as it grows, and owners refinancing premises they already hold to move onto a better rate or release equity built up in the building for expansion or working capital. Where a purchase has to happen fast, for example at auction or ahead of a sale, short-term bridging can secure the premises and then refinance onto a term mortgage.

The specialist routes

Some businesses buy their premises through a pension, using a SSAS or SIPP to hold the property while the company pays rent into the fund. Others buy mixed-use premises, such as a shop or office with a flat above, or fund the base for a franchise unit or a professional practice. Each route has its own lenders and its own quirks, and we place each case where it fits. Pension purchases involve a qualified pension specialist, and we introduce you to one; we are not pension or tax advisers.

Whole of market, on your side

We are a broker, not a lender. We take your case to the lenders whose criteria fit the premises, your sector and your trading record, then compare what comes back so you can choose on the numbers. Commercial lending to a limited company is unregulated, and any figures we quote are indicative and subject to status, accounts and valuation. Nothing here is financial, tax or legal advice.

FAQ

Business mortgage FAQs

What is a business mortgage?

A business mortgage, also called an owner-occupier commercial mortgage, is a long-term loan that lets a trading business buy the premises it operates from, such as an office, workshop, surgery, shop or unit. You repay it over a term, usually on capital and interest, so the business owns the property outright at the end. The premises are the main security, backed by the strength of your trading.

Do you lend the money yourselves?

No. We are a finance arranger and introducer, not a lender. We take your case to lenders across the market, compare the terms they offer and help you choose. Commercial lending to a limited company is not regulated by the Financial Conduct Authority.

How much deposit do I need for a business mortgage?

For a strong trading business, lenders typically advance 70% to 80% of the value, so plan for a deposit from around 20% to 30%, plus costs such as the arrangement fee, valuation, legal fees and stamp duty. A larger deposit lowers the loan to value and usually improves the rate. The exact figure depends on your accounts and the premises.

What do lenders look at when the mortgage is on my own premises?

Because you occupy and trade from the building, lenders assess the mortgage as core business finance. They look at your accounts, profits and cash flow to check the business can comfortably service the payments, alongside the value and suitability of the premises. A clean, established trading record presents the strongest case.

Can I remortgage premises the business already owns?

Yes. Businesses remortgage owner-occupied premises to move onto a better rate, to release equity built up in the building for expansion or working capital, or to refinance a bridge onto a long-term mortgage. We compare the market and arrange the switch, and we are straight about any early repayment charges on your current facility.

How quickly can a business mortgage be arranged?

A term business mortgage typically takes several weeks because of valuation and legal work, so tell us your timescale at the start and we will be honest about what is realistic. Where you need to move fast, for example at auction, short-term bridging can secure the premises quickly and then refinance onto a mortgage.

Ready when you are

Tell us about the premises

Whether you are buying your first premises, refinancing the ones you own, or moving fast on a unit, send us the details and we will come back with indicative terms. There is no charge to enquire.

How it works