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Buy-to-let & Commercial

Commercial Owner Occupier

What is a commercial owner occupier?

This is when an individual or business runs a business or trades from a building they own. Commercial owner occupier mortgages are available for individuals (sole traders), partnerships, limited companies or limited liability partnerships.

Lenders will consider applications form a wide range of industries, including but not limited to:
Holiday lets, Hotels and guest houses, Health clubs, Pubs and restaurants, and Schools and care homes.

There are several situations where a commercial owner occupier may need finance:
If you wish to buy a ‘trading business’ and a freehold for the first time, you might be purchasing new freehold premises for your existing business to operate from, or you could be looking to remortgage your existing commercial property to get better terms or raise capital.

How much can I borrow?

What ‘income’ do the lenders consider?

What is the maximum LTV I could achieve?

What sort of rates are expected?

What documents are required?

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