Investment property finance
Funding for commercial property you'll let to others.
Investment finance is used to buy or refinance commercial and mixed-use property that will be let to tenants. Tell us about the investment and, where appropriate, we'll introduce your enquiry to an award-winning specialist commercial finance broker.
About 2 minutes · No obligation · UK enquiries
- No credit checkNothing is searched when you tell us about your deal.
- About two minutesOne question per screen, only the ones that apply to you.
- Award-winning brokersSuitable enquiries are introduced to an award-winning specialist commercial finance brokerage.
- Introducer, not a lenderUK commercial property only. Your enquiry is shared with your consent.
In plain English
How commercial investment finance works
A commercial investment mortgage is secured on property that you intend to let rather than occupy. Typical examples include a retail unit with a tenant in place, an office building let to several businesses, a mixed-use property with a shop below and flats above, or an industrial unit on a long lease.
Because the rent is what services the loan, lenders usually focus on the quality of the income: who the tenants are, how long is left on the leases, and how the rent compares with the proposed repayments. The property's location, condition and how easily it could be re-let also matter.
Investors often hold property in a limited company or SPV, and lenders may also want to understand the experience of the people behind it. Terms vary widely between lenders, which is why investment cases are commonly placed through a specialist broker.
Typical scenarios
Where this type of finance tends to come up.
Buying a let commercial unit
Purchasing a shop, office or industrial unit with an existing tenant and lease in place.
Mixed-use property
A building combining commercial and residential elements, such as a retail unit with flats above.
Growing a portfolio
An experienced investor adding a further commercial property to an existing portfolio, possibly using equity from other assets.
Refinancing an investment
Replacing an existing facility on a let property, or releasing equity to fund the next purchase.
Who it may suit
It may be worth exploring if…
- The property will be let to tenants rather than occupied by your own business
- There is rental income, or a realistic prospect of it, to support the borrowing
- You have a deposit or equity to contribute
- You are buying personally, through a limited company or through an SPV
- You want term finance rather than a short-term bridge
Before you start
Information likely to be useful
You don’t need documents to tell us about your deal, but having a rough idea of the following helps.
- The type of property and its approximate value or purchase price
- The rent it produces, or is expected to produce
- Details of the tenants and how long is left on the leases
- How much you want to borrow and how much you can contribute
- Whether you have made an offer or are still looking
- Your experience as a landlord or investor
- Who the borrower will be: individual, company or SPV
Deal figures
Know your numbers before you enquire.
A specialist will ask about these ratios in the first conversation. Working them out now makes your Deal Snapshot sharper and the conversation quicker.
Deal figures
Work out your loan-to-value
Enter the purchase price and the deposit you can contribute to see the loan you'd be asking for and the resulting LTV.
Enter the figures above to see the ratios.
Arithmetic only. Lenders set their own limits, and FundingFrame does not assess eligibility or quote terms.
Use these figures in the checkerHow it works
- Step 1: Tell us about your dealAnswer a short series of questions about your property, finance requirement and timescale.
- Step 2: We review the requirementFundingFrame turns the information into a structured commercial finance enquiry.
- Step 3: Speak to a specialistWhere appropriate, the enquiry is introduced to an award-winning specialist commercial-finance partner.
FAQ
Questions about investment property finance
Straight answers. Anything specific to your circumstances is for the specialist to discuss with you.
Guides
Related guides
Plain-English reading if you want more background before you start.
- Refinancing
Can you release equity from a commercial property?
Often, yes. This guide explains how equity release on commercial property works, what lenders want to know about the purpose, how affordability is tested and the routes available to owners and investors.
7 Sep 20264 min read
- Commercial mortgages
How does a commercial mortgage work?
A plain-English walk through commercial mortgages: what they are for, how lenders assess them, what the process looks like and how they differ from a residential mortgage.
7 Sep 20264 min read
- Bridging finance
Bridging finance vs commercial mortgage: which is right for your deal?
Two very different tools for two very different jobs. This guide compares bridging and commercial mortgages on purpose, speed, cost, term and assessment, and explains when each tends to be used.
7 Sep 20264 min read
Have an investment in mind?
Tell us about the property, the tenants and what you want to achieve. Where appropriate, we'll introduce you to an award-winning specialist commercial finance broker.
About 2 minutes · No obligation · UK enquiries