• Buying a business

    Commercial mortgage

    Buying a business can often mean taking a commercial mortgage.

    Many types of business trade from "bricks and mortar" premises. All these types of business can look to purchasing their property through a commercial mortgage.

    As Acorn.finance has a market leading panel of lenders we will ensure you get the  competitive interest rates and repayment terms for your business mortgage.

    Commercial mortgage
  • Premises for your business

    Commercial mortgage

    Does your existing business need a new home?

    Have you outgrown your existing premises?

    Or - has your landlord offered you the freehold you're already trading from?

    Our experts can help assess your mortgage requirement and through our market leading panel of over 300 lenders you can raise from 70% to 90% of the property purchase price depending on your circumstances.

    Commercial mortgage
  • Buying to rent out

    Investment mortgage

    Back in 2015 George Osborne announced changes to the tax relief rules for residential (Buy to let) investors. As a result many investors have looked to commercial or semi-commercial property to improve their rental profits, for instance.

    Commercial and semi-commercial property falls outside the restrictive tax rules set out by George Osborne and can be a great addition to any portfolio. 

    Our finance experts will arrange the ideal funding for your situation and target property.

    Investment mortgage
  • Award winning - Acorn.finance

    Commercial Mortgage Broker

    Using a specialist commercial mortgage broker like Acorn.finance gives you access to our market leading panel of more than 300 commercial mortgage lenders so that you get the very best business mortgage from a lender who understands your business sector and wants to provide you with a commercial mortgage.

    Getting the right commercial mortgage starts here.

    Commercial Mortgage Broker

    Features and benefits of your commercial mortgage

    Because your Acorn.finance broker is working for you, not the lender, we’ll arrange finance to meet your needs not the bank’s! We’ll take the time to understand what’s important to you when we’re putting your case together, and always ensure that the lender suits your plans, both in the short term AND your long term goals.

    Why entrust your commercial mortgage application to Acorn.finance

    As a leading business finance broker Acorn.finance have specialised in arranging mortgages, loans and other finance for UK SMEs since 1997, winning 6 best UK broker awards along the way.

    We work with an extensive panel of commercial mortgage lenders, from the high street banks, centralised banks, challenger banks, crowdfunders and private financiers so that we can get you the very best commercial mortgage interest rates for your proposition.

    Commercial mortgage frequently asked questions

    How much deposit will I need for a commercial mortgage?

    The level of deposit needed against a commercial property purchase is very much dependent on the type of business and your own circumstances.  In most cases the deposit needed will be between 30% and 40% of the purchase price but in some circumstances it could be lower or higher - for instance, a sitting tenant purchasing their freehold at a discount might be funded at 90% - 100% of the discounted purchase price. 

    Is a mortgage a high risk for my business?

    There is always some risk when borrowing but that should be set alongside the advantages to the business of owning the property and the fact that, generally speaking, the rent for a given property would be higher than the mortgage payment for the same property.  Therefore you might actually be reducing your risk rather than increasing it. 

    Borrowing more for a better business or a better property in a better location can actually be lower risk than compromising on these things and failing in business.

    I can't afford the repayments my bank expect.

    One of the biggest factors in the amount of repayment is be the term of  a mortgage.  Extending the term of a mortgage from 10 years to 20 years can have a dramatic effect on the monthly or quarterly repayments, meaning the difference between your business surviving and failing, especially during the early days.

    Of course, once the business is thriving you'll be able to make additional payments in most circumstances and reduce the term, while keeping control and the finances being manageable.

    What are the best commercial mortgage rates?

    No matter what your business, big or small, established or starting up, Acorn.finance will work with you to arrange your commercial mortgage at the best possible rates of interest.

    Whilst lenders such as Barclays Bank or Lloyds Bank may offer the lowest interest rates these are not always right for every customer.  A higher loan might be a little more expensive but get you a better business and thus reduce your overall risk.

    What is the difference between a commercial mortgage and a loan?

    A commercial mortgage is a loan which is secured against commercial property. 

    If a loan is not a commercial mortgage then it's an unsecured loan - find out more about our business loan offerings here.

    Are Acorn.finance the best commercial finance brokers?

    Acorn.finance have been established since 1997 and thus have more experience of commercial mortgages than most brokers who are less established. We've also won 6 best UK broker awards and been highly commended in other years. So - you can certainly rely on us.

    Our 5* out of 5 review score demonstrates how much care Acorn.finance take of our customers and how we'll look after your needs.

    Why is there no commercial mortgage calculator on the Acorn.finance website?

    A commercial mortgage calculator relies on you, the customer knowing how much you'll be able to borrow from a bank or other mortgage lender, what their best commercial mortgage rate is and whether you're able to get a commercial mortgage at that rate.  

    This is what a commercial mortgage broker is for - giving you real  information about the best commercial mortgage for your business  not just a generic quotation.

    We'll give you a fully detailed quotation with the interest rates, payments and other costs of your commercial mortgage. Just ask.

    Email your commercial mortgage enquiry

    Make an appointment

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    © Acorn Finance & Mortgage Ltd 2020.

    Appointed Representative of Acorn.finance which is authorised and regulated by the Financial Conduct Authority.

    Full member of the National Association of Commercial Finance Brokers.