Commercial Mortgage Deposit

Typically lenders will look for a higher level of deposit for a commercial mortgage than a residential mortgage. This may be different for bridging finance, or for development finance, but typically a lender will want between 20-30%+ as a deposit. This is primarily due to less liquid nature of commercial property, as they are typically more difficult to sell than a residential property.

The Company which is applying for the commercial mortgages financial history will also play a part here, if a business has high profits and strong shareholders funds, then it is likely that the loan to value which the bank will be prepared to lend at will be higher. In addition, high street and larger lenders offering more competitive rates may be available.

Contact us today to discuss your commercial mortgage requirements, and we will discuss on a confidential no-obligation basis.

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