Grow your portfolio with our Investment Mortgages (commercial and residential)

If you're buying a commercial or residential property to rent, we offer attractive terms that help you maximise your return.

You'll get a speedy response from an award-winning lender who takes time to understand your needs. And unlike other commercial mortgage lenders, we won't demand that you arrange insurance or open a business bank account with us. So you can keep your long-term mortgage separate from your day-to-day business banking needs.

Commercial Mortgages with competitive terms

We offer up to 70% of either the purchase price and the open market vacant possession or investment valuation - whichever is lower. If your tenant is a household name, we may be able to offer lower interest rates and higher loan to value ratios.

Key highlights

  • Attractive interest rates linked to LIBOR*, Bank Base Rate or fixed rates
  • Personal assistance
  • Fast, award-winning service
  • Up to 70% loan to value
  • Expert lending team
  • No compulsory insurance arrangements

 Properties we'll lend on

 We offer commercial mortgage loans on a broad range of properties, including:

  • Offices
  • Industrial units
  • Modern factories and warehouses
  • Retail without living accommodation
  • Retail with living accommodation
  • Commercial and residential investment properties
  • Licensed houses in multiple occupation

Is an investment mortgage right for you?

If you're looking to purchase your first investment property you may want to see our buy-to-let mortgage pages.  

To talk through the unique mortgage needs of your business, call us on 0333 321 4000. Or, you can email us at BusinessLendingDirect@aldermore.co.uk and we'll get back to you.


Get in touch

Call us on

0333 321 4000

Contact us today to find out how we can help your business succeed

Apply Now

 

 

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4 Questions   4 Answers

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Are existing tenants going to be a problem?

The commercial investment property I want to buy has a couple of tenants in it. I would like to evict them and raise a mortgage on the property for my own business, but it’s likely that the tenants will still be there after I buy the property. Will this be a problem?
3 months, 4 weeks ago
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Answer: 
The valuer must value the property with the people in it and this value might be different to how much you pay for it. It’s best to look for expert advice so all of your individual circumstances are considered.
3 months, 2 weeks ago
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3 months, 2 weeks ago
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Answer: 
Not necessarily, but you need to be aware that the length and nature of leases could seriously affect the value of the property. It’s also important to make sure with your solicitors that there are no onerous clauses in the leases you’re unhappy about.

You should take expert advice and even consider having your own valuation to be sure.
3 months, 2 weeks ago
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will you lend BTL to Ltd companies

1 month, 1 week ago
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We would be happy to consider a BTL advance for a limited company. We have a restricted panel of commercial mortgage brokers who are able to access these products. Please contact us on 01733 404518 and speak to one of our team who will be able to give you details of the firms who would be happy to act as your route into Aldermore Commercial.
1 month, 1 week ago
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the shop has a tenant and a 4 year lease,
flat is empty and needs renovating .
whole building is £100k
4 weeks, 1 day ago
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Answer: 
We can consider a mortgage on the property as a whole supported by a combination of the rental income from the shop and other income from yourself until such time as the flat is renovated and let. Once the property is fully let, we would expect the mortgage advance to be paid by the rental income received.

Have you undertaken purchase and refurbishment projects before?
3 weeks, 3 days ago
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