Acorn Commercial Desk · Automotive, Showrooms & Service Centres
Bespoke commercial mortgages for Car Dealerships, MOT Testing Stations, Accident Repair Bodyshops, and Commercial Fleet Depots. Up to 75%–80% LTV for owner-occupiers plus integrated equipment asset finance.
Prefer to talk? 0207 959 3882
Automotive Sector Funding
From Sui Generis car showrooms and DVSA-approved MOT bays to Class B2 bodyshops and hardstanding vehicle yards.
Independent car sales, franchised main dealerships, and EV vehicle showrooms.
Class 4 & Class 7 MOT bays, tyre/exhaust centres, and routine servicing workshops.
Insurance-approved bodyshops, SMART repair centres, and commercial vehicle bodybuilders.
HGV depots, plant hire yards, car wash facilities, and vehicle storage yards.
Core Underwriting Drivers
Three levers drive pricing on motor trade premises: roadside location strength, how the equipment is funded alongside the building, and environmental compliance.
For vehicle sales and fast-fit centres, location is key. Lenders evaluate roadside visibility, daily passing traffic volumes, and customer parking access to determine commercial valuation strength and re-letting potential.
Setting up or upgrading an automotive facility requires capital equipment. We package your commercial property mortgage alongside asset finance and hire purchase (HP) lines to fund hydraulic lifts, diagnostic kit, spray ovens, and wheel alignment rigs.
Automotive sites require clear environmental management. Lenders look for compliant oil/water interceptors, waste fluid storage protocols, and clean Phase 1 environmental site assessments.
Interactive Tool
Model your maximum commercial mortgage, equipment finance line, combined capital package and total monthly repayment.
Borrower Type
Equipment lines sit alongside the mortgage for trading owner-occupiers — investors and pension schemes fund the property only, with equipment financed by the occupying business. Pension borrowing is capped at 50% of net fund value.
Owner-Occupier Auto Business: mortgage over 20 years at an indicative 6.75% (£5,418/mo), plus equipment HP over 5 years at 8.50% (£2,770/mo).
Request Automotive Finance Pre-ApprovalIndicative illustration only. Automotive premises require a specialist RICS valuation, environmental review and full lender underwrite. Actual LTVs, rates and terms depend on location, covenant strength, planning use class, trading performance and borrower profile.
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or accountant. Automotive property acquisitions, SIPP/SSAS commercial pension purchases, Capital Allowances on specialised workshop fixtures (spray booths, extraction systems, compression lines), environmental compliance, and OpCo/PropCo corporate structures carry complex legal and tax implications. The information provided on this page is designed to highlight key structural concepts so you can lead an informed discussion with your qualified accountant or tax specialist.
Knowledge & Next Steps
Logistics hubs, multi-let estates and trade counter premises at up to 80% LTV.
How your pension can buy the showroom or workshop and receive rent tax-free.
Replace rent with balance-sheet equity in your own trading premises.
Factories, engineering works and production premises finance.
Frequently Asked Questions