A commercial buy-to-let mortgage allows you to purchase or hold commercial property as an investment, where the property is let to tenants and rental income is used to support the loan.
This page is designed only for UK property investors who:
Typical property types include:
✔ Investment use only
✔ UK-based property
✔ Rental income-led assessment
(Businesses buying premises to trade from should use the owner-occupied page)
Commercial property investment mortgage is different from residential buy-to-let
Understanding these factors early helps avoid wasted time and rejected applications.
Strong tenants and longer leases typically improve lending options.
Check Your Eligibility Before ApplyingA commercial buy-to-let mortgage is a loan secured against a commercial property that is rented out for investment purposes, not occupied by the borrower’s business.
This type of mortgage is assessed primarily as an investment loan.
Subject to Lender and Property Type
Lower LTVs may apply depending on property or tenant risk
Repayment options may include capital & interest or interest-only (subject to lender criteria)
Based on property type, lease quality, and investor profile
We explain these clearly before any application is progressed.
We assist by:
Our approach is advisory, transparent, and investor-focused.