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Investment

Suitable for property investors buying or remortgaging a commercial property

Semi-Commercial investment

Suitable for investors looking to purchase or remortgage a property with a mix of commercial and residential units/tenancies

Owner occupier

Suitable for commercial property owners, operating their own business from the site

Semi-Commercial owner occupier

Suitable for commercial property owners, operating their own business from the commercial site, as well as letting out separate residential parts of the property to tenants

Send your enquiry: request a quote

Key product features

  • Up to 100% loan-to-value (with additional security)
  • Business start-ups considered
  • No ERCs or lender fees on selected products
  • Loans start at £30,000, with no maximum amount
  • Adverse credit considered
  • We accept applications from businesses with no trading history, with 1 year projections
  • Interest-only finance is available
  • No minimum income or maximum age requirements
  • No investment experience is required on selected products
  • Available for both trading businesses (owner-occupied) and commercial investment
  • We consider a range of property types, including offices, hospitality and leisure, industrial or retail units, and many other complex commercial premises
  • Investment properties let on short leases and licenses will be considered
  • Rates can be linked to bank base rate or fixed in some instances

Properties considered

Here are just a few examples of what constitutes a commercial property for commercial mortgage purposes:

  • Shops (including those with flats above)
  • Offices
  • Warehouses
  • Factories
  • Workshops
  • Garages
  • Hotels
  • Restaurants
  • Pubs

Suitability

As commercial mortgages are used for business purposes, typically, they are suitable for:

  • Limited companies, SPVs, LLPs, partnerships and sole traders
  • Clients with impaired credit
  • Business start-ups
  • No minimum income (scenario dependant)
  • No previous investment experience (scenario dependant)
  • No minimum age (scenario dependant)

Over 20 years of experience

Why choose Aria?

With over 20 years of experience in bridging finance and the specialist distribution industry, our expert team works on your behalf to provide access to market-leading rates with rapid loan completion as standard. We offer one point of contact from enquiry through to completion, always aiming to make the process as smooth as possible.
Send your enquiry: Speak to an Expert
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Here are just a few examples of what constitutes a commercial property for commercial mortgage purposes:

\n\n
    \n
  • Shops (including those with flats above)
  • \n
  • Offices
  • \n
  • Warehouses
  • \n
  • Factories
  • \n
  • Workshops
  • \n
  • Garages
  • \n
  • Hotels
  • \n
  • Restaurants
  • \n
  • Pubs
  • \n
","broker_specific":0,"hs_child_table_id":0,"hs_created_at":1660899372443,"hs_deleted_at":0,"hs_id":82429299563,"hs_is_edited":false,"hs_published_at":1708095516058,"hs_updated_at":1662126290093,"products":[{"createdAt":null,"createdByUserId":0,"id":6,"isHubspotDefined":false,"label":"commercial-mortgages","labelTranslations":{},"name":"commercial-mortgages","order":5,"type":"option","updatedAt":null,"updatedByUserId":0}],"question":"Which types of property can a Commercial mortgage be used for?","sub_category":{"createdAt":null,"createdByUserId":0,"id":1,"isHubspotDefined":false,"label":"The Basics","labelTranslations":{},"name":"The Basics","order":0,"type":"option","updatedAt":null,"updatedByUserId":0}},{"answer":"

Different lenders will have their own eligibility checks. They will typically check the borrowers:

\n\n
    \n
  • Cash flow
  • \n
  • Outstanding debts
  • \n
  • Projected business income
  • \n
  • Ability to pay the deposit and source of funds
  • \n
  • Income (full accounts of trading business) credit and assets
  • \n
  • 2 year's trading accounts
  • \n
  • Last 3 months’ business bank statements
  • \n
  • Proof of ID (certified copy of passport or driving licence)
  • \n
  • Proof of residency (utility bill or bank statement)
  • \n
","broker_specific":0,"hs_child_table_id":0,"hs_created_at":1661937368090,"hs_deleted_at":0,"hs_id":83496506291,"hs_is_edited":false,"hs_published_at":1708095516058,"hs_updated_at":1662126466593,"products":[{"createdAt":null,"createdByUserId":0,"id":6,"isHubspotDefined":false,"label":"commercial-mortgages","labelTranslations":{},"name":"commercial-mortgages","order":5,"type":"option","updatedAt":null,"updatedByUserId":0}],"question":"What eligibility checks will there be for Commercial mortgages?","sub_category":{"createdAt":null,"createdByUserId":0,"id":1,"isHubspotDefined":false,"label":"The Basics","labelTranslations":{},"name":"The Basics","order":0,"type":"option","updatedAt":null,"updatedByUserId":0}},{"answer":"

Although this will vary between lenders, here are a range of properties which commercial mortgages may suit:

\n\n
    \n
  • Shops
  • \n
  • Offices
  • \n
  • Factories
  • \n
  • Warehouses
  • \n
  • Restaurants
  • \n
  • Pubs
  • \n
  • B&Bs
  • \n
  • Working farms
  • \n
  • Mixed usage properties 
  • \n
","broker_specific":0,"hs_child_table_id":0,"hs_created_at":1661937368428,"hs_deleted_at":0,"hs_id":83496506292,"hs_is_edited":false,"hs_published_at":1708095516058,"hs_updated_at":1662126468587,"products":[{"createdAt":null,"createdByUserId":0,"id":6,"isHubspotDefined":false,"label":"commercial-mortgages","labelTranslations":{},"name":"commercial-mortgages","order":5,"type":"option","updatedAt":null,"updatedByUserId":0}],"question":"What sort of properties can be purchased or refinanced with Commercial mortgages?","sub_category":{"createdAt":null,"createdByUserId":0,"id":1,"isHubspotDefined":false,"label":"The Basics","labelTranslations":{},"name":"The Basics","order":0,"type":"option","updatedAt":null,"updatedByUserId":0}},{"answer":"

Minimum loan sizes typically start at £20,000 and can range anywhere into and beyond £25 million (subject to criteria). This range will vary between lenders.

\n

Typical repayment terms are up to 25 years.

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commercial-semi-commercial-1

Commercial Mortgages

Frequently asked questions

What is a Commercial mortgage?
When property (or land) is purchased or used for business purposes, the borrowing may be carried out by a business, individual or partnership. In this instance, you would need to apply for a commercial mortgage.
When property (or land) is purchased or used for business purposes, the borrowing may be carried out by a business, individual or partnership. In this instance, you would need to apply for a...
Who can apply for a Commercial mortgage?
Limited companies, SPVs, LLPs, partnerships and sole traders are eligible to apply for a commercial mortgage.
Limited companies, SPVs, LLPs, partnerships and sole traders are eligible to apply for a commercial mortgage.
Which types of property can a Commercial mortgage be used for?

Here are just a few examples of what constitutes a commercial property for commercial mortgage purposes:

  • Shops (including those with flats above)
  • Offices
  • Warehouses
  • Factories
  • Workshops
  • Garages
  • Hotels
  • Restaurants
  • Pubs

Here are just a few examples of what constitutes a commercial property for commercial mortgage purposes:

  • Shops (including those with flats above)
  • Offices
  • Warehouses
  • Factories
  • Workshops
  • Garages
  • ...
What eligibility checks will there be for Commercial mortgages?

Different lenders will have their own eligibility checks. They will typically check the borrowers:

  • Cash flow
  • Outstanding debts
  • Projected business income
  • Ability to pay the deposit and source of funds
  • Income (full accounts of trading business) credit and assets
  • 2 year's trading accounts
  • Last 3 months’ business bank statements
  • Proof of ID (certified copy of passport or driving licence)
  • Proof of residency (utility bill or bank statement)

Different lenders will have their own eligibility checks. They will typically check the borrowers:

  • Cash flow
  • Outstanding debts
  • Projected business income
  • Ability to pay the deposit and source of...
What sort of properties can be purchased or refinanced with Commercial mortgages?

Although this will vary between lenders, here are a range of properties which commercial mortgages may suit:

  • Shops
  • Offices
  • Factories
  • Warehouses
  • Restaurants
  • Pubs
  • B&Bs
  • Working farms
  • Mixed usage properties 

Although this will vary between lenders, here are a range of properties which commercial mortgages may suit:

  • Shops
  • Offices
  • Factories
  • Warehouses
  • Restaurants
  • Pubs
  • B&Bs
  • Working farms
  • Mixed usage...
How much money can be borrowed with Commercial mortgages?

Minimum loan sizes typically start at £20,000 and can range anywhere into and beyond £25 million (subject to criteria). This range will vary between lenders.

Typical repayment terms are up to 25 years.

Minimum loan sizes typically start at £20,000 and can range anywhere into and beyond £25 million (subject to criteria). This range will vary between lenders.

Typical repayment terms are up to 25...

How much of a deposit do I need for a Commercial mortgage?
Lenders will typically consider up to 75% loan-to-value (LTV). So, you will need to have a deposit available anywhere from 25% and above, depending on the lender’s criteria and your desired interest rates. This will vary between lenders.
Lenders will typically consider up to 75% loan-to-value (LTV). So, you will need to have a deposit available anywhere from 25% and above, depending on the lender’s criteria and your desired interest...
How long do applications take to complete for Commercial mortgages?
This will drastically vary between lenders and of course between cases with varying circumstances. Here at Aria Finance from the initial enquiry to completion, our average turnaround time for a commercial mortgage loan is 8 to 10 weeks.
This will drastically vary between lenders and of course between cases with varying circumstances. Here at Aria Finance from the initial enquiry to completion, our average turnaround time for a...
What is the minimum that can be borrowed using a commercial mortgage?
Minimum loan size varies from lender to lender, but typically is around £50,000
Minimum loan size varies from lender to lender, but typically is around £50,000
What is the typical repayment term?
Repayment terms can be up to 25 years.
Repayment terms can be up to 25 years.
Who holds the title deeds with a commercial mortgage?
As with a traditional mortgage, the commercial lender will hold the title deeds to the property as security.
As with a traditional mortgage, the commercial lender will hold the title deeds to the property as security.
How long will an application take to complete?
From the initial enquiry to completion, our average turnaround time for a commercial mortgage loan is six to eight weeks.
From the initial enquiry to completion, our average turnaround time for a commercial mortgage loan is six to eight weeks.

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