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Commercial Mortgages

Commercial mortgages & remortgages, let wise buy help you start the journey to find finance for your business. Everyone's needs & circumstances are different, so use wise buy to find a commercial mortgage provider to help you.

Commercial Mortgages are loans that are secured on commercial property such as shops, business premises, warehouses, factories, farms, workshops, garages.

As with a residential mortgage the commercial lender will hold the title deeds to the property as security. In the event of any arrears the mortgage lender could repossess the commercial property.

Wise buy could also help you arrange a semi-commercial mortgage this is again long term finance secured by a first legal charge over a property that has a mix of business and residential use. Typically this will include properties such as:

• retail units with living accommodation above
• bed & breakfast
• catteries and kennels located within the grounds of a house

A business owner who wants to fund his/her premises and use them for business may use a Commercial Mortgage, this type of commercial mortgage is called ‘owner occupied’.

A Landlord can ‘buy to let commercial’ that is to say the landlord can purchase a commercial property solely for investment purposes and rely on the rental income to cover the mortgage and provide a profit. If you are purchasing a house or flat to rent out you require a buy to let mortgage

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