Commercial Mortgage Advice

Commercial Mortgages

A commercial mortgage is a specialist product aimed at clients who want to buy or refinance business premises such as offices, industrial spaces, or shops. These long-term loans are secured against the property itself & often feature lower interest rates & longer repayment terms compared to other types of finance. For landlords & investors looking to build portfolios, a commercial mortgage can be a solid foundation for sustainable growth.

Every business situation is unique, so the range of commercial mortgages available is broader than many realise. Whether you require funding for a new purchase or want to restructure existing finance, Mortgage & More is here to help you find the right fit. We're an approachable mortgage broker in Kent, dedicated to simplifying the complexities & supporting you through every stage of your property journey.

Commercial Loans

Commercial loans differ from commercial mortgages in several key ways. Rather than being used solely for property purchase, a commercial loan can support a variety of business needs, such as buying equipment, funding expansion, or covering operational expenses. These loans may or may not be secured against property & are typically more flexible in terms of use.

At Mortgage & More, we guide you in understanding the advantages & considerations of both secured & unsecured commercial loans. Although terms can be shorter & interest rates may be higher than commercial mortgages, their flexibility makes them popular among businesses looking to respond quickly to changing opportunities. With so many options available, our specialist advice helps you choose wisely & borrow with confidence.

Benefits of Limited Company Borrowing

Many landlords decide to invest in property through a limited company structure due to the potential tax benefits & borrowing flexibility. When purchasing property via a limited company, rental income is subject to corporation tax, which may be more efficient than paying income tax at the higher rate, especially for portfolio landlords. Always seek professional tax advice before making investment decisions to ensure this route is right for you.

Another advantage is that lenders often apply more generous stress tests for SPV limited companies, meaning you could potentially borrow more against each pound of rental income. The difference in rates between individual & company mortgages has narrowed significantly, meaning this structure is now accessible for many investors. With an increasing range of products available, Mortgage & More can help you navigate these choices & make the most of your investment strategy.