Welcome to the Commercial Mortgage Owner Occupier section of the CPFC website. We can offer a wide variety of mortgages, on most types of property in the UK. This section highlights some of the terms available.
CPFC negotiates commercial mortgages with a large range of lenders including major banks, mutual building societies, niche providers and specialised commercial mortgage lenders. Commercial mortgage rates are rarely set in stone, unlike domestic and Buy to Let mortgages. Therefore each individual mortgage is priced to match the borrower's personal circumstances.
Arranging a Commercial mortgage can be a complex process. If you would like clear, independent impartial advice on the best commercial mortgage to suit your needs please telephone us for further information, use our call back facility or complete the enquiry form.
We do not charge any broker fees
To calculate your commercial mortgage payments, please use our online loan repayment calculator.
| Scheme Style | Early Repayment Charge | Loan to Value (LTV) | Lenders Fee | Description | Enquiry Form |
|---|---|---|---|---|---|
6.95% 5 year fix to 30/11/13 |
5% to 30/11/09, 4% to 30/11/10 and 3% to 30/11/13– 10% overpayments allowed annually |
Up to 75% |
£995 Fixed rate fee + arrangement fee 0.5% min £400 |
Fixed Rate reverting to Bank Base + 2.25%-3% |
|
Bank Base Tracker |
None |
Up to 80% |
2% to £500,000, negotiable thereafter |
Bank Base + 2.25%-3% 20-25 year term Interest only first 2 years Min Loan £25,000 |
|
Libor Tracker |
Interest to month end |
Up to 75% |
0.5% (minimum £400) up to £500,000, £4000 including lenders legals up to £1m, and negotiable thereafter |
Libor +1.25%-2.5% 25 year term 50% of VP interest only Min Loan £40,000 |
|
Property Refurbishment Loan |
None |
Up to 75% of value/purchase price 100% if additional security |
2% |
Bank Base + 2.25%-3% 12 months Interest only Min Loan £100,000 |
|
Professional Practice |
None |
Up to 80%, 100% for doctors surgeries |
1.5% |
Bank base + 2.25% 20-25 year term Interest only first 2 years Min Loan £25,000 |
We can provide commercial mortgages for most property types, including:
- Prime office/retail
- Secondary office/retail
- Industrial
- Warehouses/retail park
- Multi occupancy serviced offices
- Mixed commercial & residential
- Hotels
- Public houses
- Guest houses
- Restaurants
- Nursing homes
- Day nursery
- Doctors/Dentists/Vets
- Post office
- Leisure
- Agricultural
- Property development & refurbishment
Typical commercial mortgages and remortgages arranged by us for clients range from £50,000 to £15M. All commercial finance is tailored to meet the borrower's needs. Commercial mortgage structures available to clients can include:
- Variable and fixed rates
- Interest only mortgage periods
- Partial repayment
- Terms of up to 30 years
- Full status or self cert
Clients can use the following borrowing vehicles
- Personal
- Partnership
- Limited company
- Limited Liability Partnership (LLP)
- SIPP and SASS pension
- Offshore company
Typically, we can arrange commercial mortgages up to 85% loan to property value dependent on the type of property.
There is no requirement to switch day-to-day banking, and in most cases we believe it is beneficial to keep these financing elements separate.
We can arrange commercial mortgages on a self cert basis for start up businesses, businesses with poor accounts or adverse credit history. Please take a look at our dedicated product page for self cert commercial mortgages.
For Commercial property investors, it is important to consider the potential of a remortgage. This will allow owners/investors to increase their margins by reducing their mortgage costs, and could allow capital to be released from the property for further investment.
We are able to deliver rapid commercial mortgage funding to clients and to meet tight purchase deadlines eg auction purchases. Where the funds are needed more urgently, we may be able to assist using Bridging loan finance.
