Commercial Investment Mortgages
Commercial investment mortgages are a type of loan designed for businesses to purchase or refinance commercial properties that will be used to let out to tenants and not be occupied by the borrower. This form of mortgage is often secured against the investment property with the rental income playing a large role when lenders assess the affordability. This type of mortgage is usually designed for investors wishing to generate rental returns from retail units and office spaces.
Learn how commercial investment mortgages work, what they're used for, and what lenders typically look for.
What they are
A commercial investment mortgage is a loan used to purchase or refinance a commercial property that is rented out to tenants and not occupied by the borrower.
Rental Yield
Rental income plays a huge part for securing a commercial investment mortgage as lenders will often require a minimum rental yield of 125% to 145% of the mortgage payment.
Types of Properties
Commercial investment mortgages can be used to fund a wide range of property types. This includes retail units, office spaces, warehouses, and even mixed-use properties.
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