Owner Occupied Business Mortgages
Finance to purchase or remortgage your own business premises, from offices and retail to workshops and warehouses.
FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews
Owning your business premises can be more cost-effective than renting long-term. We arrange commercial mortgages for owner-occupied properties across all sectors, helping you build equity in an asset while controlling your costs.
Who Is This For?
- Business owners looking to purchase their trading premises
- Companies remortgaging existing commercial property
- Businesses wanting to move from renting to owning
- Professionals needing dedicated practice premises
Property Types We Cover
- Offices and business parks
- Retail units and shops
- Workshops, garages and trade counters
- Warehouses and distribution centres
- Restaurants and leisure premises
- Medical and dental surgeries
Key Benefits
- Build equity in a business asset
- Fix your occupancy costs long-term
- Potential tax advantages on interest payments
- No landlord, full control of your premises
- Up to 75–80% LTV available
Frequently Asked Questions
How much deposit do I need?
Most owner-occupied commercial mortgages require 20–25% deposit, although some lenders may consider higher LTV for strong businesses. We'll assess your options.
Can I include fit-out costs?
Some lenders allow you to include refurbishment or fit-out costs within the facility. We can explore this with you.
What trading history do I need?
Most lenders require at least 2 years' trading history, although some will consider less for strong cases. We have access to lenders with flexible criteria.
Can my business pension buy the property?
SIPP and SSAS pension funds can purchase commercial property in some circumstances. We can discuss this with you alongside traditional mortgage options.
Ready to Get Started?
Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.