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The deposit to buy business premises is commonly one of the largest upfront costs involved in purchasing a commercial property. As a practical starting point, many business owners should prepare for a deposit of approximately 25% to 40% of the property’s purchase price. However, there is no universal minimum that applies to every commercial mortgage application.

The amount you need will depend on the lender, the property, the strength of your business and the overall risk of the transaction.

An established business buying a standard office or industrial unit may be able to borrow a higher percentage of the property’s value than a start-up purchasing a specialist hospitality or leisure property. The lender may also base its loan on the lower of the purchase price or professional valuation, which can increase the cash contribution required.

For example, if you agree to purchase business premises for £500,000 and a lender offers a mortgage at 75% loan-to-value, the expected deposit would be £125,000.

That figure does not include Stamp Duty Land Tax, valuation charges, legal fees, broker fees, lender fees, surveys, insurance or refurbishment costs. Your total cash requirement may therefore be significantly higher than the mortgage deposit alone.

Quick Answer: How Much Deposit Is Needed to Buy Business Premises?

A typical planning range is:

• 25% deposit: Potentially available for stronger owner-occupied cases involving suitable properties and established businesses
• 30% deposit: A common working assumption for many standard commercial purchases
• 35% deposit: May improve lender choice or support a case with additional risk factors
• 40% or more: May be required for specialist properties, new businesses, weaker affordability or complex applications

These percentages are illustrative rather than guaranteed.

The lender will normally decide how much it is willing to lend after reviewing:

• The purchase price
• The professional valuation
• The proposed use of the premises
• The property type and condition
• Your business accounts
• Current cash flow
• Existing financial commitments
• Your industry experience
• Personal and business credit history
• The source of the deposit
• The requested mortgage term
• The lender’s appetite for the sector

Businesses considering a purchase can learn more about our owner-occupier commercial mortgage service.

Commercial Mortgage Deposit Examples

The following examples show how different deposit percentages affect the amount of cash required.

Property price of £250,000

• 25% deposit: £62,500
• 30% deposit: £75,000
• 35% deposit: £87,500
• 40% deposit: £100,000

Property price of £500,000

• 25% deposit: £125,000
• 30% deposit: £150,000
• 35% deposit: £175,000
• 40% deposit: £200,000

Property price of £750,000

• 25% deposit: £187,500
• 30% deposit: £225,000
• 35% deposit: £262,500
• 40% deposit: £300,000

Property price of £1,000,000

• 25% deposit: £250,000
• 30% deposit: £300,000
• 35% deposit: £350,000
• 40% deposit: £400,000

These examples only calculate the deposit. They do not include the additional expenses involved in purchasing and financing commercial premises.

How Loan-to-Value Determines Your Deposit

Commercial mortgage deposits are usually discussed in relation to the loan-to-value ratio, commonly abbreviated to LTV.

LTV is the percentage of the property’s value that the lender is prepared to finance.

The formula is:

Mortgage amount ÷ property value × 100 = loan-to-value

For example:

• Property value: £500,000
• Mortgage required: £375,000
• Deposit: £125,000
• Loan-to-value: 75%

The calculation would be:

£375,000 ÷ £500,000 × 100 = 75% LTV

A 75% LTV mortgage means the lender provides 75% of the accepted property value and the borrower contributes the remaining 25%.

A lower LTV means you are providing a larger deposit.

For example:

• 75% LTV requires a 25% deposit
• 70% LTV requires a 30% deposit
• 65% LTV requires a 35% deposit
• 60% LTV requires a 40% deposit

A larger deposit normally reduces the lender’s exposure. It may therefore improve the number of available lenders, the interest rate or the overall terms.

However, a large deposit does not automatically guarantee approval. The lender must still be satisfied that the business can afford the repayments and that the property provides acceptable security.

Why Commercial Mortgage Deposits Are Larger Than Residential Deposits

Commercial properties can present different risks from residential properties.

A house may appeal to a broad pool of residential buyers. A commercial property may have a smaller market, particularly if it has been designed for a specific type of business.

Commercial properties may also take longer to sell or re-let if the borrower experiences financial difficulty.

The lender may need to consider:

• Whether another business could use the premises
• Local demand for that property type
• The cost of converting the building
• The condition of the property
• Planning and usage restrictions
• Environmental concerns
• Economic conditions affecting the sector
• The financial stability of the borrowing business

The business’s ability to repay can also depend on trading conditions. Revenue may be affected by competition, staffing costs, customer demand, supply-chain disruption or wider economic changes.

A larger deposit provides the lender with an additional financial cushion against these risks.

What Determines the Deposit You Will Need?

Although LTV is important, lenders do not decide the deposit by looking at the property value alone.

The following factors can all influence your commercial mortgage deposit.

1. The Type of Property

The property type is one of the strongest influences on the deposit requirement.

Standard commercial properties may include:

• Offices
• Retail units
• Warehouses
• Light-industrial units
• Workshops
• Professional practices
• Storage facilities

These properties may have a broader market of potential buyers and occupiers.

More specialist properties may include:

• Hotels
• Public houses
• Restaurants
• Takeaways
• Care homes
• Children’s nurseries
• Petrol stations
• Places of worship
• Leisure facilities
• Farms
• Purpose-built healthcare premises
• Properties with extensive commercial kitchens
• Buildings with unusual layouts

Specialist premises can still be financed, but the lender may require a larger deposit because the property could be more difficult to sell or adapt.

For example, an office building could potentially be used by many different professional businesses. A purpose-built care home may have a smaller pool of suitable buyers and operators.

The narrower the resale market, the more cautious the lender may become.

2. Whether the Business Will Occupy the Property

An owner-occupier commercial mortgage is used when a business purchases premises for its own operations.

Examples include:

• A dental practice buying its surgery
• A manufacturer purchasing a factory
• A retailer buying a shop
• A logistics company buying a warehouse
• An accountancy firm purchasing an office
• A vehicle repair business buying a workshop

The lender will assess whether the trading business can afford the mortgage.

This differs from a commercial investment mortgage, where the property is rented to another business and the lender focuses heavily on rental income, the tenant and lease terms.

For an owner-occupied application, the lender may examine:

• The business’s profitability
• Existing debt
• Cash flow
• Trading history
• Future forecasts
• The directors’ experience
• The reason for purchasing the premises
• How the property will support the business

A financially strong owner-occupier may be able to obtain a higher LTV than a business with limited trading evidence.

3. The Business’s Trading History

Established businesses can usually provide more evidence to support an application.

A lender may request:

• Two or three years of final accounts
• Recent management accounts
• Business bank statements
• Tax information
• Details of existing loans
• Cash-flow projections
• Evidence of future contracts
• Information about directors and shareholders

A business with stable or growing profits gives the lender greater confidence that the mortgage repayments can be maintained.

A new business may not have several years of accounts. The lender may therefore rely more heavily on:

• The directors’ previous experience
• Personal financial strength
• A detailed business plan
• Cash-flow forecasts
• Existing customer contracts
• The size of the deposit
• Additional security
• The suitability of the property

Start-ups are not automatically excluded, but they may need to provide a larger deposit or stronger supporting evidence.

4. Business Profitability and Cash Flow

The lender must be satisfied that your business can afford the proposed repayments.

A profitable business may still have cash-flow pressure if customers pay slowly, stock requirements are high or existing debt repayments are substantial.

The lender may consider:

• Turnover
• Gross profit
• Net profit
• Operating profit
• Cash reserves
• Existing loan payments
• Overdraft usage
• Directors’ drawings
• Tax liabilities
• Seasonal trading patterns
• Expected future costs

The proposed mortgage may also be tested at a higher interest rate to assess whether the business could manage increased repayments.

If affordability is tight, the lender may reduce the loan amount. This means the borrower would need to provide a larger deposit.

5. Your Personal and Business Credit History

Lenders may check the credit history of both the business and its directors.

Issues that could affect the application include:

• Missed loan repayments
• County Court judgments
• Defaults
• Mortgage arrears
• Insolvency
• Late company filings
• High overdraft use
• Unpaid taxes
• Previous business failures
• Large amounts of existing borrowing

A credit issue does not always prevent a commercial mortgage.

The lender will consider:

• The type of issue
• The amount involved
• How recently it occurred
• Why it happened
• Whether it has been resolved
• The borrower’s conduct since the event

An older, resolved issue may be viewed differently from a recent pattern of missed payments.

However, credit concerns can reduce the maximum LTV and increase the required deposit.

6. Your Experience in the Industry

Relevant experience can make an application more credible.

A dentist with years of clinical and practice-management experience buying a dental surgery may present a stronger case than an applicant entering the healthcare sector for the first time.

Likewise, an experienced manufacturer buying a larger production unit may be easier to assess than a newly formed company entering manufacturing without an operating history.

Lenders may look at:

• Years of industry experience
• Management experience
• Professional qualifications
• Previous ownership of similar businesses
• Experience managing commercial property
• Knowledge of the local market
• The strength of the wider management team

Limited experience may be balanced by a stronger deposit, experienced employees, a franchise structure or a detailed business plan.

7. The Property’s Condition

The condition of the property affects its suitability as security.

A well-maintained building that can be occupied immediately may present less risk than premises requiring substantial repairs.

A lender-appointed valuer may identify:

• Structural defects
• Roof problems
• Damp
• Subsidence
• Asbestos
• Environmental contamination
• Fire-safety concerns
• Electrical problems
• Drainage issues
• Unauthorised alterations
• Incomplete building works
• Poor energy performance

If major work is required, the lender may:

• Reduce the accepted property value
• Offer a lower LTV
• Retain part of the mortgage
• Request specialist reports
• Require repairs before completion
• Recommend an alternative finance structure

You should therefore consider survey and refurbishment costs before committing your entire available cash reserve to the deposit.

8. Property Location and Marketability

Location influences the property’s value and the ease with which it could be sold.

The lender may assess:

• Local business demand
• Transport connections
• Road access
• Parking
• Nearby commercial activity
• Vacancy rates
• Comparable property sales
• Local development plans
• Flood risk
• Environmental risk
• Alternative uses

A standard commercial unit in an active business location may attract more lenders than an isolated or highly specialised property.

For a property in Slough or elsewhere in Berkshire, factors such as access to major roads, trading estates, local employment centres and demand from surrounding businesses may form part of the valuation.

However, each property is assessed individually. Being located in a strong commercial area does not automatically guarantee a specific LTV.

9. The Professional Valuation

The lender will normally arrange an independent commercial valuation.

The maximum mortgage is commonly based on the lower of:

• The agreed purchase price
• The lender’s accepted professional valuation

This can create a deposit shortfall.

Example of a down valuation

Suppose you agree to buy premises for £600,000.

You expect a 75% LTV mortgage:

• Expected mortgage: £450,000
• Expected deposit: £150,000

The lender’s valuer assesses the property at £550,000.

If the lender still offers 75% LTV, the maximum mortgage becomes:

£550,000 × 75% = £412,500

You would then need to fund:

£600,000 − £412,500 = £187,500

Your effective cash contribution has increased from £150,000 to £187,500.

You would also need to pay the associated purchase costs.

This is why buyers should maintain a financial contingency rather than committing every available pound before the valuation is complete.

10. The Lender’s Appetite

Different lenders have different risk policies.

A lender may actively want to finance:

• Professional practices
• Warehouses
• Industrial premises
• Healthcare businesses
• Retail units
• Agricultural businesses

The same lender may have limited appetite for:

• Hospitality
• Leisure
• New businesses
• Properties requiring development
• Certain geographical locations
• Highly specialised buildings

Lending appetite can also change over time.

A transaction declined by one lender may still be acceptable to another lender with different criteria or sector experience.

Matching the application with the right lender can therefore be as important as the amount of deposit available.

Can You Buy Business Premises With a 20% Deposit?

Potentially, but an 80% LTV owner-occupied commercial mortgage is not available for every borrower or property.

A lender considering a smaller deposit is likely to expect a particularly strong application.

This may include:

• An established and profitable business
• Strong affordability
• Clean credit history
• A standard, marketable property
• Experienced directors
• A clear reason for the purchase
• Healthy cash reserves after completion
• Limited existing debt

Higher-LTV lending may also involve:

• Higher interest rates
• Additional security
• Personal guarantees
• More detailed underwriting
• Tighter affordability requirements

A business should not assume that a 20% deposit will be sufficient until the full application has been reviewed.

Is a 25% Deposit Enough?

A 25% deposit is a useful starting point for many owner-occupier enquiries because it represents a 75% LTV mortgage.

Some lenders publicly indicate that eligible owner-occupied commercial mortgage applications may be considered at this level.

However, a 25% deposit is not guaranteed to be enough.

The lender may require more if:

• The property is highly specialised
• The valuation is lower than the purchase price
• The business is newly established
• Affordability is weak
• Credit issues are present
• Significant refurbishment is required
• The sector is considered higher risk
• The borrower has limited experience
• The business needs to retain insufficient working capital after completion

The best way to assess whether 25% is realistic is to review the property and business information before making a formal application.

Can You Buy Business Premises Without a Cash Deposit?

Buying commercial property with no cash contribution is difficult, but some transactions may be structured using additional security.

For example, the lender may consider taking security over another property with sufficient available equity.

This does not mean the purchase is genuinely “no deposit.”

The borrower is still providing value and accepting risk through the additional property.

Possible structures may involve:

• Additional commercial property security
• Equity in another business property
• A combination of cash and additional security
• A secured business loan
• Investor funding
• Mezzanine finance
• A pension-led property purchase, subject to specialist advice
• Vendor assistance in limited circumstances

Each structure has different costs, risks and legal implications.

Using another property as security could place that property at risk if repayments are not maintained.

Can Equity in Another Property Replace Part of the Deposit?

In some cases, a lender may accept additional property security to reduce the cash deposit.

For example, a business owner may have:

• An existing commercial property with substantial equity
• A debt-free investment property
• Another asset acceptable to the lender
• Business premises that are being refinanced as part of the transaction

The lender will assess the value, ownership, existing borrowing and marketability of the additional property.

Additional security can help support a transaction, but it can also increase the borrower’s exposure. Independent legal, tax and financial advice may be appropriate before committing another asset.

Can a Business Loan Be Used for the Deposit?

Using borrowed money as a commercial mortgage deposit can be possible in some circumstances, but it creates additional debt.

The commercial mortgage lender will need to understand:

• Where the deposit comes from
• The amount borrowed
• The monthly repayment
• Whether the loan is secured
• How the additional commitment affects affordability
• Whether the deposit lender has any claim over the property

A borrowed deposit can weaken affordability because the business must service both the mortgage and the separate loan.

The source of funds must be disclosed clearly. Attempting to hide borrowed deposit money can delay or undermine an application.

What Other Costs Must You Budget For?

The deposit is only one part of the total cash requirement.

You may also need to pay the following costs.

Stamp Duty Land Tax

Commercial property purchases in England and Northern Ireland may be subject to Stamp Duty Land Tax.

Non-residential SDLT is charged in bands based on the purchase price.

The current general bands are:

• 0% on the portion up to £150,000
• 2% on the portion from £150,001 to £250,000
• 5% on the portion above £250,000

Different property structures or mixed-use transactions may require specialist tax advice.

You can check the current non-residential Stamp Duty Land Tax rates on GOV.UK.

Property valuation

The lender will normally require a professional valuation.

The cost can depend on:

• Property value
• Property size
• Location
• Complexity
• Whether a specialist business valuation is needed
• Whether additional reports are required

A commercial mortgage valuation is completed for the lender’s purposes. You may also choose to commission a more detailed building survey for your own protection.

Legal fees

You will normally pay your own solicitor.

Some lenders may also require you to cover their legal costs.

Legal work can include:

• Checking the title
• Reviewing searches
• Investigating planning permission
• Reviewing leases
• Confirming rights of access
• Checking environmental matters
• Preparing mortgage security
• Confirming the source of funds

Lender arrangement fee

Commercial mortgage lenders may charge an arrangement fee.

This could be:

• A percentage of the mortgage
• A fixed amount
• Added to the loan
• Payable on completion
• Partly payable at application

Adding a fee to the mortgage increases the amount borrowed and the total interest payable.

Broker fee

A commercial mortgage broker may charge a fee for reviewing, arranging and managing the application.

The amount and payment terms should be disclosed before work begins.

Surveys and specialist reports

Depending on the property, you may need:

• A building survey
• Structural engineer’s report
• Asbestos survey
• Environmental report
• Drainage survey
• Electrical report
• Fire-risk assessment
• Energy assessment
• Planning advice

Insurance

The lender will usually require suitable building insurance from completion.

Other relevant cover may include:

• Business interruption insurance
• Contents insurance
• Public liability insurance
• Employer’s liability insurance
• Key-person insurance

Refurbishment and fit-out

A property may need changes before the business can operate from it.

Potential costs include:

• Internal alterations
• Signage
• Furniture
• Machinery
• IT infrastructure
• Security systems
• Heating or cooling
• Accessibility improvements
• Planning applications
• Professional fees
• Moving expenses

Working capital

Purchasing premises should not leave the business without enough money for normal operations.

You may still need funds for:

• Payroll
• Suppliers
• Tax
• Utilities
• Marketing
• Stock
• Equipment
• Unexpected repairs

A lender may become concerned if the deposit uses all the company’s available cash.

Total Cash Requirement Example

Assume a business agrees to purchase premises in England for £500,000.

The lender offers a 75% LTV mortgage.

Mortgage and deposit

• Purchase price: £500,000
• Mortgage: £375,000
• Deposit: £125,000

Illustrative additional costs

• SDLT: £14,500
• Valuation and surveys: dependent on quotation
• Legal fees: dependent on complexity
• Lender arrangement fee: dependent on lender
• Broker fee: dependent on agreed service
• Insurance: dependent on property
• Fit-out costs: dependent on business needs

The deposit is £125,000, but the business must have more than £125,000 available to complete the purchase safely.

This distinction should be understood before making an offer.

Should You Use All Your Cash as the Deposit?

Not necessarily.

Providing a larger deposit may improve the mortgage terms, but using all available cash could create operational pressure after completion.

Business owners should consider the trade-off between:

• Reducing the mortgage
• Retaining working capital
• Funding property improvements
• Purchasing equipment
• Maintaining an emergency reserve
• Supporting future growth

For example, increasing a deposit from 25% to 35% may reduce borrowing, but it could also remove cash needed for stock, staff or refurbishment.

The most suitable deposit is not automatically the largest possible deposit. It should support both the property purchase and the ongoing financial stability of the business.

How Can You Reduce the Deposit Requirement?

There is no guaranteed method, but several steps may strengthen the application.

Prepare current financial information

Provide accurate and up-to-date accounts, management figures and bank statements.

Demonstrate strong affordability

Show that the business can comfortably cover the mortgage repayments and existing commitments.

Reduce unnecessary debt

Paying down expensive short-term borrowing may improve affordability.

Choose a marketable property

A standard property in good condition may qualify for a higher LTV than unusual or heavily specialised premises.

Explain the purpose of the purchase

Show how buying the property will support the business.

This may include:

• Reducing long-term occupancy costs
• Increasing production capacity
• Supporting staff growth
• Improving customer access
• Providing security of tenure
• Allowing specialist modifications
• Creating additional operational space

Maintain cash reserves

Demonstrating that funds will remain available after completion can strengthen the application.

Resolve credit issues

Check personal and business credit records and correct any inaccurate entries.

Prepare an honest explanation for genuine problems.

Provide evidence of experience

Include details of the directors’ track record, qualifications and management experience.

Consider additional security carefully

Another property may support a higher borrowing amount, although this increases the assets at risk.

Approach suitable lenders

Different lenders have different property, industry and LTV preferences.

A focused application to an appropriate lender may produce a better result than approaching multiple lenders without a clear strategy.

You can also read our guide explaining what affects commercial mortgage interest rates.

What Documents Will You Need?

Requirements vary, but an owner-occupier commercial mortgage application may include:

• Latest business accounts
• Recent management accounts
• Business bank statements
• Personal bank statements
• Tax calculations or returns
• Proof of identity
• Proof of address
• Details of directors and shareholders
• Existing borrowing schedules
• Evidence of the deposit
• Explanation of the source of funds
• Property particulars
• Purchase memorandum
• Business plan
• Cash-flow projections
• Details of industry experience
• Information about planned refurbishment
• Existing lease details
• Confirmation of how the property will be used

Providing complete information early can reduce repeated questions and delays.

The British Business Bank’s guide to financing a commercial property purchase also explains the main funding routes and costs business owners should consider.

When Should You Arrange the Mortgage?

It is sensible to explore likely borrowing capacity before making an unconditional commitment to purchase.

An early assessment can help you understand:

• Whether the intended deposit is realistic
• The approximate borrowing range
• Which documents will be required
• Whether the property type is acceptable
• Likely timescales
• Potential affordability concerns
• Whether additional security might be needed

A decision in principle or indicative lender view is not a final mortgage offer.

The property must still be valued, the legal work must be completed and the full application must satisfy the lender’s requirements.

Avoid assuming that a mortgage is guaranteed before receiving a formal offer and completing all lender conditions.

Buying Business Premises in Slough

Slough is home to businesses operating in logistics, professional services, retail, manufacturing, technology and other commercial sectors.

A business purchasing premises in Slough may consider:

• Access to the M4
• Connections to London and the Thames Valley
• Proximity to Heathrow
• Parking and delivery access
• Local commercial property demand
• Business rates
• Availability of employees
• Space for future expansion
• Planning and permitted use
• Property condition
• Local competition

A lender will assess the specific premises rather than relying only on the wider location.

For example, a modern industrial unit with suitable access may be considered differently from a highly specialised property requiring extensive alterations.

The Commercial Mortgage Guy is based in Slough and supports owner-occupier businesses across Berkshire and throughout the UK.

You can view The Commercial Mortgage Guy on Google for business and location details.

Frequently Asked Questions

How much deposit do I need to buy business premises?

Many businesses should initially plan for approximately 25% to 40% of the purchase price.

The exact amount depends on the lender, business performance, property type, valuation, affordability and credit history.

Is 25% a normal commercial mortgage deposit?

A 25% deposit represents a 75% LTV commercial mortgage and can be a reasonable starting point for stronger owner-occupied applications.

It is not a guaranteed minimum.

Can I get a commercial mortgage with a 20% deposit?

Some higher-LTV applications may be considered, but eligibility is likely to depend on strong affordability, a suitable property, good credit and an established business.

Why is my lender asking for a 40% deposit?

The lender may view the property or transaction as higher risk.

Possible reasons include:

• Specialist property type
• Weak affordability
• Short trading history
• Credit issues
• Low professional valuation
• Significant repair requirements
• Limited industry experience
• Restricted lender appetite

Is the deposit calculated from the purchase price or valuation?

Commercial lenders commonly calculate the maximum loan against the lower of the purchase price or accepted professional valuation.

A down valuation can therefore increase the deposit required.

Does the deposit include Stamp Duty?

No.

Stamp Duty Land Tax and other purchase costs are normally paid separately from the deposit.

Can I use a business loan as the deposit?

Potentially, but the commercial mortgage lender must know about the additional borrowing.

The repayments will be included in the affordability assessment.

Can I use equity in another property?

Some lenders may consider additional property security.

This can reduce the amount of cash required but increases the property and assets at risk.

Can a new business buy commercial premises?

Potentially, yes.

A new business may need a larger deposit, detailed projections, a credible business plan and evidence that the directors have relevant experience.

Do I need three years of accounts?

Many lenders prefer an established trading history, but requirements vary.

Some may consider shorter trading histories when the wider application is strong.

Will a larger deposit reduce the interest rate?

It may.

A larger deposit reduces LTV and can lower the lender’s exposure. However, rates also depend on affordability, property type, credit history and lender appetite.

Can I include refurbishment costs in the commercial mortgage?

This depends on the lender and the type of work.

Some lenders may consider limited improvements, while significant refurbishment may require a different funding structure.

How long does an owner-occupier commercial mortgage take?

Timescales depend on valuation, underwriting, legal work, property complexity and how quickly documents are provided.

Commercial purchases usually require more individual assessment than standard residential mortgages.

What happens if the property is valued below the purchase price?

The lender may calculate its mortgage against the lower valuation.

You may need to increase your deposit, renegotiate the purchase price or consider another funding structure.

Is buying business premises better than renting?

Buying can offer greater control, security of occupation and the opportunity to build equity in an asset.

However, it requires more upfront capital and makes the business responsible for ownership costs, maintenance and property-market risk.

The decision should be based on the business’s finances, growth plans and long-term property needs.

Get an Owner-Occupier Commercial Mortgage Assessment

The amount of deposit needed to buy business premises cannot be determined from the property price alone.

A proper assessment should consider:

• Your available deposit
• The property
• The business’s financial performance
• The amount required
• Existing commitments
• Credit history
• Industry experience
• Future plans
• The total purchase costs

The Commercial Mortgage Guy helps UK business owners explore mortgage options for purchasing and refinancing their own commercial premises.

Based in Slough, we support businesses across Berkshire, the Thames Valley and nationwide.

To discuss the property, purchase price and deposit available, contact The Commercial Mortgage Guy.

Important information: This article is for general information only and does not constitute personalised financial, legal or tax advice. Commercial mortgage availability, loan-to-value ratios, interest rates, fees and terms depend on the lender’s assessment and the applicant’s circumstances. Any property provided as security may be repossessed if repayments are not maintained.