Commercial Mortgages

Introduction

Looking to finance the purchase of property for your business? A commercial mortgage could offer the flexibility and affordability you need.

Whether you’re an owner-occupier looking to fund your premises or a landlord investing in commercial property for rental income, a commercial mortgage helps you turn your plans into reality. Much like a residential mortgage, the lender holds a legal claim over the property until the loan is fully repaid.

Why consider a commercial mortgage?

• Owner-occupied: Use the property as your business base while building equity.
• Buy-to-let commercial: Invest in property to generate rental income and long-term returns.

Weighing up the pros and cons

Commercial property ownership can be a fantastic investment, but it’s essential to consider the benefits and challenges.

Advantages:

• Fixed-rate mortgages provide predictable repayments.
• Often comparable in cost to renting the same space.
• Shield yourself from sudden rent increases.
• Tax-deductible interest payments.
• Opportunity to sub-let unused space (subject to lender approval).
• Potential for property value growth.

Disadvantages:

• Requires a substantial deposit – could those funds be better used elsewhere?
• Relocation challenges if you want to sell.
• Exposure to interest rate rises with variable-rate mortgages.
• Responsibility for ongoing costs like maintenance, insurance, and repairs.
• Possibility of property value decline.

Make the smart move

At Maplestone, we’re here to help you find the right solution for your business. With competitive rates and expert advice, we’ll guide you through the process and help you make the most of your investment.

Ready to explore your options? Get in touch today and let’s make it happen.