Commercial Buy to Let
Finance for commercial investment properties available for individuals or limited companies
Finance for commercial investment properties can be made available for all types of commercial property. The property can be held in individual names or limited companies crested for the purpose or even in a pension.
Bhalzi Consultancy Ltd can secure finance for commercial investment properties as we work with all types of lenders to secure commercial buy to let mortgages. Funding can be secured in personal names, Special-Purpose Vehicle (SPV) Ltd company name or though trading companies and SIPP’s.
Normally the lending terms are based on the total rental income achieved from the property.
Commercial buy to let mortgage lender will need a tenant occupied property or there must be a tenant already signed up ready to occupy the property.
The lending decision will depend on the borrower, including their net asset position as well as their experience of owning and letting property. The lenders we approach depends on the tenant and the length of the lease including any break clauses.
High street commercial buy to let mortgage lenders will typically need to see a strong tenancy, normally on a minimum of 10 year lease or more. If there is a tenant with a lease which is less than 3 or sometimes 5 years then a strong business case needs to be made for lenders to provide the funding.
When the high street mortgage lender are not willing to lend or if you only want the borrowing on an interest only basis then we would approach one of our niche lenders or those lenders who only deal with brokers.
A range of options available for securing your future as a landlord.
