Commercial Buy-to-Let Mortgages
Commercial buy-to-let mortgages let you invest in offices, retail, and industrial units. We find specialist lenders with competitive investment rates.
Commercial Buy-to-Let Mortgages
Investing in commercial property to let can offer higher yields than residential buy-to-let, but the mortgage products are different. Commercial buy-to-let mortgages are assessed primarily on the rental income and tenant strength rather than your personal income. Deposits are larger (25-40%), but the income potential can be significant.
- Specialist commercial investment mortgage products
- Rental income-based assessment
- Offices, retail, industrial, and warehouse units
- Portfolio commercial lending available
- 100% fee-free investment mortgage advice
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Your home may be repossessed if you do not keep up repayments on your mortgage.
How Commercial BTL Differs
Unlike residential buy-to-let, commercial investment mortgages focus heavily on tenant quality and lease terms. A property let to a strong covenant tenant (e.g. a national chain) on a long lease attracts better rates and higher LTVs than a vacant unit or one with a short lease.
Rental Coverage Requirements
Lenders typically require rental income to cover 125-150% of the mortgage interest payment. They stress-test at higher rates (often 7-8%) to ensure the investment remains viable if rates rise. Strong rental coverage improves your rate and LTV options.
Yields and Returns
Commercial property yields are typically 5-10% — significantly higher than residential BTL yields of 3-6%. However, void periods can be longer, tenant fit-out costs higher, and management more complex. We help you assess whether a commercial investment makes financial sense.
Limited Company Purchases
Many commercial investors purchase through limited companies (SPVs). This can offer tax advantages and liability protection. Most commercial lenders accommodate company purchases, though some prefer personal applications. We advise on the best structure.
Commercial Buy-to-Let Mortgages — FAQs
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