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Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Buy to Let Mortgages for Businesses

Are you looking at incorporating a company to invest in a buy-to-let property, or need a buy-to-let mortgage for your business? Revolution explains all you need to know before you apply.

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Have to Say!

Almas Uddin

Founder and Mortgage Advisor

2023-05-09

Buy to Let Mortgages for Businesses

Commercial mortgages are significantly different than residential; and there is a vast range of lenders operating in this niche of the market, from buy to lets mortgages for businesses, to investors with a portfolio of rental properties.

Our mortgage brokers is a commercial mortgage expert, with a team of consultants on hand to provide independent advice about the best lending options available.

Give us a call with any questions on 0330 304 3040 or email the team at [email protected].

What is a Buy to Let Mortgage for a Commercial Applicant?

A business buy to let mortgage is required for any investor purchasing a premise that they expect to rent to a business client.

This mortgage product is also called:

Commercial investment mortgage
Commercial landlord mortgage
Business buy to let mortgage
Commercial buy to let mortgage

Already Interested, Let’s Get Started!

The following

topics are

covered below

How are Commercial Buy to Let Mortgages Different from Normal BTL Lending?

Are Commercial BTL Mortgages Available to Companies?

Can I Mortgage a Commercial Premise on a BTL Mortgage?

How are BTL Mortgages and Commercial Mortgages Different?

How is Affordability Calculated on Commercial BTL Mortgages?

What Deposit is Required for a Commercial Buy to Let Mortgage?

What Rates do Mortgage Lenders Charge on Commercial Property Investment Lending?

How Can a Broker Help me Get the Best Commercial Mortgage Terms?

Can I Get a Commercial Buy to Let Mortgage with Bad Credit?

Is There an Age Limit on Commercial Buy to Let Mortgages?

What Other Criteria Impact my Business BTL Mortgage Application?

Can I Get a Mortgage for a Holiday Lease Investment?

Are Commercial Mortgages Available for Multi-Occupancy Buildings?

Can I Use a Buy to Let Mortgage Calculator for Commercial Lending?

Professional Commercial BTL Mortgage Advice

Show less

Why Revolution Brokers?

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How are Commercial Buy to Let Mortgages Different from Normal BTL Lending?

The critical difference is that an investment property is being mortgaged to rent out to business clients, as opposed to residents.

You can also find semi commercial mortgages for properties with both a commercial and residential element - such as a shop with a residential flat above.

Are Commercial BTL Mortgages Available to Companies?

Indeed they are - businesses can apply for BTL mortgages to let out properties, although individual investors can also apply for business buy to let lending.

There are pros and cons to mortgaging a property through a company, so be sure to seek expert advice before committing to a trading structure.

Can I Mortgage a Commercial Premise on a BTL Mortgage?

Possibly, provided you meet the lending criteria. The type of mortgage on a commercial property differs from those available on residential rental homes.

Commercial investment mortgages are only for business rentals, and terms can fluctuate significantly between lenders given the scope and breadth of this sector of lending.

With multiple caps and variety around the terms, rates, and LTV caps on offer, it is essential to seek independent recommendations before applying for a commercial mortgage product.

How are BTL Mortgages and Commercial Mortgages Different?

Buy to let mortgages are a standard product where a landlord is buying a property to rent to residential tenants.

If the investment property is being let to a business, then you need a commercial mortgage instead.

Rates for commercial lending are usually higher than for residential, and the criteria will be a little different too.

How is Affordability Calculated on Commercial BTL Mortgages?

Affordability criteria do not work the same way as for residential buy to let mortgages.

Usually, you will find that the fees are higher, the interest rates more expensive, and the deposit requirements more significant. However, affordability will look at factors such as rental income, as well as how closely you meet their lending policies.

What Deposit is Required for a Commercial Buy to Let Mortgage?

The deposit required will depend on several factors:

What sort of property you are investing in
What business sector you expect to let it to
How long the lease runs for, on leasehold properties

Residential mortgages can be offered up to 100% LTV (i.e. 100% of the value of the property), whereas commercial buy to let mortgages are usually capped, requiring a deposit of 25% and above.

Some specialist lenders in niche industries can accept lower deposits of 15%.

Alternatively, if you have a smaller deposit, but have another asset you can offer as security - such as another property or asset - you can negotiate a lower deposit value.

What Rates do Mortgage Lenders Charge on Commercial Property Investment Lending?

Generally, buy to let mortgages for commercial properties are mortgaged at higher rates than owner-occupied premises. Lenders offer both fixed and variable interest rates.

The rates charged will depend on the level of risk, assessed by looking at:

The value of the property and size of the mortgage.
What sector you wish to rent out to, and under what lease terms.
Your personal credit score.
Your trading history and experience.

How Can a Broker Help me Get the Best Commercial Mortgage Terms?

Expert commercial mortgage brokers deal with buy to let lending every day, and a whole-of-market broker such as the Revolution team has access to thousands of lenders, including deals that are not available on the open market.

It is always advisable to work with a broker to ensure you get the best mortgage rates and terms possible.

Can I Get a Commercial Buy to Let Mortgage with Bad Credit?

Lenders will assess the financial stability of your company, and yourself personally, to determine what sort of lending they can offer.

If you have a good credit score and clean credit file, you will have more lenders to apply to.

Is There an Age Limit on Commercial Buy to Let Mortgages?

It depends on the lender, but if you have a strong business plan and healthy finances, you can secure buy to let commercial lending at any age.

Most lenders will require applicants to be at least 18 years old.

What Other Criteria Impact my Business BTL Mortgage Application?

Lenders will need to know what the rental income will be, less the expected expenses to arrive at a projected profitability figure.

This is then 'stress tested' to ensure you would still be able to make the repayments, even if interest rates were to rise.

Mortgage providers will also consider:

Your industry and business type.
The building and whether it is a standard construction, or requires specialist lending.
What the projected revenue is from the rental property.
The security and deposit available.
Your experience and trading history in the sector.
How much the property is worth.

Can I Get a Mortgage for a Holiday Lease Investment?

You can - with guest houses and B&Bs being joined by Airbnb and other short-term rental businesses growing in popularity.

Holiday homes are different from normal buy to let since they will have a very short-term tenancy agreement based on a week or even a few days.

Lenders may find it harder to offer business mortgages for holiday lets. Still, it is essential to consult an experienced broker who can steer you towards the right commercial mortgage providers.

Are Commercial Mortgages Available for Multi-Occupancy Buildings?

Not really no - a house of multiple occupancy (HMO) isn't a commercial rental, but a residential investment that would need the appropriate type of BTL mortgage.

However, if you wanted to mortgage an investment property that was an HMO with a commercial proportion of the space, then you would likely need a semi-commercial buy to let mortgage.

Can I Use a Buy to Let Mortgage Calculator for Commercial Lending?

Online calculators are a useful tool to get a rough idea about how much you could borrow, or how much your monthly repayments would be.

However, remember that these are only ever indicative, and won't know your circumstances to give any indication about whether an application would be successful.

For an idea of rates payable and what sort of commercial lending you could achieve, contact the Revolution team on 0330 304 3040.

Professional Commercial BTL Mortgage Advice

For more assistance navigating the challenge of commercial buy to let mortgages, give the Revolution Brokers team a call on 0330 304 3040 or email us at [email protected].

As an independent, whole-of-market broker, we can provide tailored guidance on buy to let lending across the commercial sectors.

Almas Uddin

Founder and Mortgage Advisor

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Buy to Let Mortgages for Businesses

Discover What Our Customers

Buy to Let Mortgages for Businesses

What is a Buy to Let Mortgage for a Commercial Applicant?

Whole of market brokers

Mortgage that suits you

On time customer support

How are Commercial Buy to Let Mortgages Different from Normal BTL Lending?

Are Commercial BTL Mortgages Available to Companies?

Can I Mortgage a Commercial Premise on a BTL Mortgage?

How are BTL Mortgages and Commercial Mortgages Different?

How is Affordability Calculated on Commercial BTL Mortgages?

What Deposit is Required for a Commercial Buy to Let Mortgage?

What Rates do Mortgage Lenders Charge on Commercial Property Investment Lending?

How Can a Broker Help me Get the Best Commercial Mortgage Terms?

Can I Get a Commercial Buy to Let Mortgage with Bad Credit?

Is There an Age Limit on Commercial Buy to Let Mortgages?

What Other Criteria Impact my Business BTL Mortgage Application?

Can I Get a Mortgage for a Holiday Lease Investment?

Are Commercial Mortgages Available for Multi-Occupancy Buildings?

Can I Use a Buy to Let Mortgage Calculator for Commercial Lending?

Professional Commercial BTL Mortgage Advice

Further Reading

Asset Finance & Working Capital

Commercial Mortgages

Property Investment Finance

Commercial Remortgages

Semi Commercial Mortgage

Business Expansion Finance

Cash Flow Loans

Invoice Finance

Partnership Buyout Finance

Hire Purchase

Lease Purchase

Interest Only Commercial Mortgages

Mortgages For Flats Above Shops

Mortgaging Land Purchases

Commercial Property Finance

Mortgage Interest Rates on Commercial Borrowing

Commercial Mortgages for Land Investments

Mortgages for Pub Businesses

Bridging Loans for Commercial Mortgages

Commercial Mortgages for Large Investments

Commercial Mortgages for B&Bs

The Revolution Guide to Commercial Mortgages

Choosing a Broker for a Commercial Mortgage

Remortgaging Commercial Property

Care Home Commercial Mortgages

Commercial Mortgages with Bad Credit

Second Charge Mortgages on Commercial Property

Buying a Business Through Mortgage Lending

Deposits Required on Commercial Mortgages

UK Hotel Mortgages

Affordability Criteria in Commercial Mortgages

Pros and Cons of Commercial Mortgages

Buy to Let Mortgages for Businesses

Mortgage Terms on Commercial Lending

Commercial Mortgages for Pharmacies

Commercial Mortgages for Dental Practices

Applying for a Large Commercial Mortgage

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