Long-term financing for commercial and mixed-use property purchases, refinancing, and investment — tailored by experienced brokers who understand complex deal structures. Our Stoke-on-Trent-based service connects you with specialist lenders who understand the Staffordshire property market.
Long-term financing for commercial and mixed-use property purchases, refinancing, and investment — tailored by experienced brokers who understand complex deal structures.
Our Stoke-on-Trent team connects you with specialist lenders who have appetite for Staffordshire properties, securing competitive terms through direct credit committee relationships.
Read our complete commercial mortgages guideMarket Insight: Heritage ceramics industry diversifying. University presence growing. Values offer exceptional yield premium.
Smithfield; Etruscan Square; Unity Walk; city centre transformation
Good appetite for quality development. Residential and industrial supported.
Commercial mortgages are assessed on both the borrower's financial strength and the property's income-generating potential, whereas residential mortgages focus primarily on personal income and affordability. For commercial applications, lenders examine business accounts, cash flow, profitability, sector risk, and the financial positions of directors and guarantors. For investment properties, rental coverage — typically 125% to 140% of mortgage costs at a stressed interest rate — is the primary metric. Commercial valuations are far more detailed, considering tenant covenant strength, lease terms, rent review mechanisms, dilapidations risk, and the property's marketability. The entire underwriting process is manual and individually assessed, rather than automated as with most residential lending.
Most commercial mortgages require a minimum deposit of 25% to 30%, translating to a maximum loan-to-value of 70% to 75%. The exact requirement depends on several factors: owner-occupied businesses with strong financials and long trading histories may achieve 75% LTV from supportive lenders, while investment properties with shorter leases or weaker tenants may be capped at 60% to 65% LTV. Specialist property types — hotels, care homes, pubs, and petrol stations — typically attract maximum LTVs of 60% to 65% because they have limited alternative use and a smaller pool of potential buyers if the lender needs to realise their security.
An owner-occupied commercial mortgage is for a property where your business will trade from the premises — you are both the borrower and the tenant. An investment commercial mortgage is for a property you are purchasing to let to a third-party tenant and generate rental income. The key differences in lending terms are: owner-occupied mortgages are assessed primarily on your business's financial performance and ability to service the debt, while investment mortgages focus on the rental income, tenant quality, and lease terms. Owner-occupied loans may offer slightly higher LTVs and lower rates because the lender has the comfort of your business's ongoing commitment to the property.
Dedicated commercial mortgages specialists with deep knowledge of the Staffordshire market.
Access to 100+ specialist lenders including those with specific appetite for Stoke-on-Trent.
Member of NACFB. Adherence to strict professional and ethical standards.
Successfully arranged millions in property finance across Staffordshire and beyond.
Provider of non-regulated lending solutions. Your property may be repossessed if you do not keep up repayments on your mortgage.