How much deposit does a commercial mortgage need?

Typically more than residential, often in the region of 25–40% depending on the business, sector and property, though stronger covenants can improve terms. We’ll give you a realistic figure once we’ve seen the accounts.

How is affordability assessed for a business?

Primarily on the business’s ability to service the debt, usually evidenced through accounts, management information and sometimes projections. Lenders apply different add-backs and stress tests, which is where presentation earns its keep.

Can my pension buy the premises?

Commercial property held through certain pension structures is an established route with real tax advantages for the right business. It needs your financial adviser and accountant at the table. We handle the lending side alongside them.

Owner-Occupied Commercial Mortgages

Stop paying someone else’s mortgage and own the premises your business trades from.

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Rent builds your landlord’s wealth, not yours

For an established business, buying its premises converts a rising cost into an appreciating asset, with security of tenure no lease can match. But commercial lending is judged on the business: accounts, sector, serviceability and the property itself.

Every lender weighs those differently. The same business can be declined by one and welcomed by another, which makes lender selection most of the battle.

How ERG helps

Your accounts, presented properly:: We package trading history, projections and add-backs the way commercial underwriters expect, so the business reads as strong as it is.
The right lender for your sector:: Appetite varies hugely by industry. From high-street banks to specialist commercial lenders, we know who genuinely wants your sector this year.
Structures that fit the business:: Trading company, holding company or pension purchase. We coordinate with your accountant so the ownership structure serves the wider plan.

Detail, trade counter or workshop interior, owner-operator at work; authentic industry

Who we help

Owner-occupier cases we arrange:

Businesses buying the unit they currently rent
Professional practices buying their offices
Retail and hospitality owner-operators
Manufacturers and trades buying industrial units
Refinancing commercial premises onto better terms

Commercial Mortgages → Commercial Bridging Loans → Self-Employed Mortgages →

Frequently Asked Questions

Typically more than residential, often in the region of 25–40% depending on the business, sector and property, though stronger covenants can improve terms. We’ll give you a realistic figure once we’ve seen the accounts.
Primarily on the business’s ability to service the debt, usually evidenced through accounts, management information and sometimes projections. Lenders apply different add-backs and stress tests, which is where presentation earns its keep.
Commercial property held through certain pension structures is an established route with real tax advantages for the right business. It needs your financial adviser and accountant at the table. We handle the lending side alongside them.

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Book a consultation

Check out our availability and book the date and time that works for you.

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Your consultation

A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.

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