Starting your commercial property journey is an exciting opportunity, but it can also feel a bit overwhelming. As one of the largest investments you will likely ever make, it’s crucial to understand the process and costs involved and secure a commercial mortgage that works for your needs.
A commercial mortgage doesn’t have to be complicated. Explore the various mortgage options and offers available to businesses below. If you’d like to quickly see how much you could borrow, try our commercial mortgage calculator.
Our mortgage and stamp duty calculators are designed to make things easier for you, giving you a guide on how much you can borrow, or how much stamp duty you have to pay.
All you need to do is fill in your information and your results will be displayed immediately!
There are many different options when it comes to commercial mortgages, which is why it’s always a good idea to seek independent advice early on – that’s where we come in.
At Key Solutions, we’ve helped countless people secure great commercial mortgage deals and take the next step in expanding their operations. We’ll be with you every step of the way – from your initial inquiry to the day you secure your property. Our experienced advisers can also provide guidance on the right type and location of property to help drive profits in your portfolio. Helping you find the right commercial mortgage and supporting your business growth is what drives us, so get in touch with us today!
Securing the right commercial mortgage for your business is a big step, and we’re here to make the process as smooth and stress-free as possible. Whether you’re purchasing your first commercial property or expanding your portfolio, we can help you explore all available options.
Every situation is unique, and we understand that. That’s why we offer tailored advice to help you get the best commercial mortgage deal for your specific needs. From understanding your financing options to navigating the application process, our team is here to guide you every step of the way.
No matter what stage you’re at, we’re here to provide expert advice and ensure your business gets the financial support it needs to grow.
Our Buy to Let mortgage services are designed for individuals looking to purchase property to rent out. We’ll help you find competitive rates and flexible terms to make your investment a success.
If you already own a property but need to move before selling, Let to Buy allows you to let out your current home while purchasing a new one. We’ll help you navigate this process and secure the right mortgage for both properties.
For those looking to invest in rental properties through a limited company, Ltd Company Buy to Let mortgages offer tax advantages and greater flexibility. We can help you structure your mortgage to suit your company’s needs and future plans.
If you have multiple rental properties, Property Portfolio Finance can simplify your financing and help you grow your portfolio. We’ll work with you to secure funding for several properties under one mortgage, streamlining your payments and helping you scale your investments more efficiently.
Before diving into specific properties, it's essential to understand your business’s financial health. We’ll help you review your income, expenses, and overall cash flow, assess your credit profile, and determine how much you’ll need for a deposit. This will give you a clear picture of your borrowing capacity.
A Mortgage in Principle gives you an estimate of how much you can borrow, which strengthens your position when negotiating with property sellers or agents. This step offers clarity and confidence as you move forward in your property search.
We’ll present a variety of mortgage options, tailored to your needs and financial situation. Key factors to consider include interest rates, repayment terms, fixed vs. variable rates, and whether the loan is for owner-occupied or investment purposes.We can also help you to understand if the proposed rental income is likely to be profitable after taking the cost of the mortgage and other overheads into account.
Once you’ve selected the best commercial mortgage option for your rental property, we’ll guide you through submitting the formal application. This typically involves providing documents such as your financial statements, bank statements, and a business plan. We’ll make sure everything is accurately compiled and submitted on time.
After submitting your application, the lender will assess your application. We’ll keep you updated throughout the process and help you understand the terms of your mortgage offer, ensuring you’re fully prepared for the next steps in securing your commercial property.
We know navigating the process can feel overwhelming, but you’re not alone. This section is packed with helpful guides and resources to empower you on your journey.
Whether you’re just starting your research or nearing the finish line, we’re here to support you every step of the way.
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We’ve pulled together a list of all the paperwork that lenders may ask for, so that you can be prepared before you start the process!
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In this guide, we explore what happens after a house survey, how much a house survey costs, and do you have to have a survey when buying a house in the first place?
If we say you qualify for a mortgage, then we will stand by that decision and provide you with a 100% mortgage guarantee to you that you can get the funding you require. If we don’t, we will refund any associated cost you have incurred.
Our advice to you is backed by our unique unconditional service guarantee which means if you are not happy with the service that we provide, just tell us why and we will immediately refund any fees that you have paid us.
As a trusted whole-of-market broker, we have access to nearly every mortgage product on the market as well as access to exclusive rates you won't get by going direct to a bank.
We will complete all research, administration and chasing on your behalf so you don’t have to worry about a thing! So leave it with us and your new mortgage offer will be with you quicker than you know it!
To find out more and to let us help you with your mortgage and protection needs please give us a call us on 0800 138 5856 or get in touch below.
A buy-to-let mortgage is a type of loan designed for individuals who want to purchase a property to rent out to tenants. Unlike residential mortgages, Buy-to-let mortgages are usually assessed based on the property’s rental income rather than the borrower’s personal income, however some buy-to-let lenders still require proof of a minimum level of personal income, often 25k. Lenders will conduct stress tests of the rent versus the monthly mortgage payment.
Buy to Let can be a great investment for generating passive income and building long-term wealth through property value appreciation. However, it depends on factors like market conditions, rental yields, and associated costs such as mortgage repayments, maintenance, and taxes. It’s worth remembering that you are likely to also make money out of your Buy to Let investment over the longer term as the value of the property rises over the years and your equity stake increases.
To secure a Buy to Let mortgage, you’ll typically need:
A let-to-buy mortgage allows you to rent out your current home while purchasing a new residential property to live in. This is ideal for homeowners who want to keep their existing property as an investment.
Let-to-buy is suitable for homeowners looking to upsize, relocate, or unlock the investment potential of their existing home without selling it.
Yes, typically you’ll need two mortgages:
Ltd Company buy-to-let involves purchasing and managing rental properties through a limited company. This structure can provide tax advantages for landlords, such as lower corporation tax rates and the ability to offset mortgage interest against profits.
Yes, this is possible through a process called “Let to Buy.” Speak to us about switching your current mortgage to a Let to Buy product.
