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Commercial Buy to Let Mortgage 2018-01-22T17:00:37+00:00

Commercial Buy to Let Mortgage

Fox Davidson are an award wining commercial buy to let mortgage broker. We secure finance for commercial investment properties. Fox Davidson work with all types of lenders to secure commercial buy to let mortgages. Funding can be secured in personal names, SPV Ltd company name or though trading companies and SIPP’s.

What are the terms for a commercial Buy to Let mortgage?

  • The lending terms are primarily based upon the rental income that the property will achieve.
  • Unlike a residential buy to let mortgage, a commercial buy to mortgage lender will need a tenant to already occupy the property or for there to be a tenant signed up ready to occupy the property.
  • The lending decision depends on the borrower including their net asset position and their experience of owning and letting property. The lender we approach will depend on the tenant and the length of the lease including any break clauses.

High street commercial buy to let mortgage lenders will typically wish to see a strong tenant on a lease of typically 10 years or more. Where a tenant is on a shorter lease of 3 or 5 years then we will need to build a strong business case for any high-street bank to lend.

Where a high street commercial buy to let mortgage lender will not lend or where lending is required on an interest only basis  the lending will come from a challenger bank or an exclusive broker only commercial lender.

Commercial buy to let mortgage portfolio finance

Fox Davidson can secure commercial buy to let mortgages secured across a commercial property portfolio. We can secure very good terms by spreading the loan strategically across the entire commercial property portfolio thus allowing us to reduce the overall loan to value and secure very competitive terms.

Lending across a commercial investment property portfolio may be secured in the name of an individual, a Ltd company or a Pension. Commercial property portfolio lending is also granted to offshore companies.

Some of the typical property types we secure commercial buy to let mortgages on include:

  • Commercial units with a residential flat above

  • Industrial units, factories and warehouses

  • Offices

  • Retail

  • Licensed Houses in Multiple Occupation (HMO’s)

To discuss your requirements with a commercial buy to let mortgage broker please do call or email us. We have offices in Bristol, Bath & London at which we can meet clients face to face. We can also deal remotely by phone and email.


Read what our clients have to say about us

I would not hesitate to recommend Fox Davidson to family and friends. I am a first time buyer and therefore the house buying process was a little daunting to start with but I was kept fully up to date throughout the whole process to the point where I would receive an update email at least twice a week.

I was also extremely pleased to find that as well as assisting with the mortgage I was also being provided assistance with home and life insurance. The service I have been provided is definitely good value for money and I am very grateful to everyone at Fox Davidson who has helped me.

Miss R Power , Bristol

Having been let down by another mortgage broker (who seemed to only want to assist with a mortgage if we took other products too) I stumbled across Fox Davidson. As I am based half in London and half in Bristol, they seemed the perfect fit. Having connected with them and receiving prompt, relevant and helpful advice at the outset of our property search, I had no hesitation in coming back for the mortgage itself.

The mortgage application process was rendered painless and they bent over backwards to help with the sale. They also were extremely helpful and supportive when our first purchase collapsed, also managing to make mortgage application #2 equally as smooth. Thank you so much!

K Gibson, London

After using Fox Davidson for my first buy to let purchase I didn’t hesitate to get in touch again when the time came to buy a second property. Being an expat living and working in Thailand I had found through my own research that the options available to me would be limited, however I needn’t have worried. Fox Davidson found me a mortgage that suited my circumstances  perfectly. They have helped to make what could have been a complicated process very simple and stress free.

Great people, Great knowledge, Great service.
Thank you Fox Davidson.

Mr Christopher Hoare , Thailand
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