Commercial & agricultural mortgages

Every case is individual. We use major banks, building societies and other more specialist lenders, each having their own lending criteria and preferred sectors, including equestrian mortgages and agricultural mortgages.

Commercial finance can be divided into two catagories:

Semi commercial

The property to be financed also includes a residential element; typically being the main residence of the applicants in addition to running a business from the property, such as a farm, equestrian yard, nursery or bed and breakfast.

Often, we will actually arrange finance on a residential basis with one of our more niche lenders, typically achieving a lower rate of interest than would be obtained through commercial funding. This also helps where the strict affordability requirements of commercial funding are not met (for example the business element does not produce sufficient income, but there is a strong external source of income).

Regular commercial

There may be no residential element for the business owner, or it may be specifically tied to the individual business.   We can cater for people buying premises for their own business (as individual’s, trading company, SPV or using a pension scheme), investment properties, refinancing or arrange bridging finance if required.

We have expertise in various sectors:

• Farms, smallholdings and other agricultural enterprises such as vineyards
• Horticultural businesses
• Equestrian centres, livery yards
• Competition yards, racing stables
• Kennels and Catteries
• Public Houses, Hotels, guesthouses
• Residential/Nursing Homes
• Property development/conversion
• Warehouses
• Retail units and offices

A lot of lenders prefer to only offer commercial funding on a capital repayment basis, however we can also often arrange interest only lending, either for an initial period, or indeed the full term if required and appropriate.

Please note that the Financial Conduct Authority does not currently regulate the majority of commercial mortgages.

Please do give us a ring to chat through your requirements and see how we can help, or provide detail here via our contact form and we will call or email you back. There is absolutely no further obligation to work with us.