COMMERCIAL INVESTMENT MORTGAGES
A Commercial Investment Mortgage is a loan for purchasing or refinancing income-generating properties like offices, retail spaces, warehouses, or apartment buildings. It's tailored for investors looking to profit from property rental income or capital appreciation. Unlike residential mortgages, it's assessed based on the property's potential earnings and the borrower's business acumen. This type of mortgage typically has higher interest rates, larger down payments, and stricter lending criteria due to the increased risk involved.
WHAT IS A COMMERCIAL INVESTMENT MORTGAGE?
NO UPFRONT FEES
NO BROKER FEES
Key benefits of Commercial Investment Mortgages:
PURPOSE & USE
For income-generating properties
Suitable for diverse commercial spaces
Ideal for long-term investment
Leverage for property portfolio expansion
FEATURES & BENEFITS
Higher borrowing limits
Based on the property's income potential
Flexible repayment terms
Potential tax advantages
CONSIDERATIONS & RISKS
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Requires minimum 25% deposit
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Higher interest rates than residential
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Stringent eligibility criteria
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Market-dependent risks
Experienced. Trustworthy. Tailored.
Clever Commercial is an award-winning brokerage with over 30 years expertise in providing bespoke property financing solutions. Competitive rates, flexible criteria, and unrivalled service. Build your future - partner with us.
WHY CHOOSE CLEVER COMMERCIAL?
FREQUENTLY ASKED QUESTIONS
What is a Commercial Investment Mortgage?
A Commercial Investment Mortgage is a loan for purchasing or refinancing properties used for business purposes, like offices, retail spaces, or industrial units. It focuses on generating income through renting or leasing the property.
How Does a Commercial Mortgage differ from a Residential One?
Commercial mortgages typically have higher interest rates, require larger deposits, and involve a more detailed assessment of the business and property. They also consider the potential income the property could generate.
What criteria do lenders consider for approval?
Lenders assess the borrower's creditworthiness, the business's financial health, the property's value, and its potential to generate income. They may also consider the borrower's experience in managing similar properties.
Can I get a Commercial Mortgage for any type of property?
Generally, commercial mortgages are available for most types of commercial properties, but the suitability and terms can vary based on the property type, location, and intended use. Some lenders may have specific restrictions.