Speak to a Commercial Mortgage Broker now on 0208 2434689
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Landlord & Investment Commercial Mortgages in North London
What is a landlord / investment commercial mortgage?
A landlord (investment) commercial mortgage is designed for individuals or companies who want to buy or refinance commercial investment property as an investment.
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Rather than trading from the premises yourself, the borrowing is usually assessed against:
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the rental income
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the tenant profile and lease
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the property type and condition
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and the overall structure of the deal (personal name, limited company or SPV)
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These mortgages are commonly used for retail units, offices, industrial property, warehouses, mixed-use properties such as shops with flats above, and other income-producing commercial assets.
Investing in commercial or mixed-use property?
From single retail units to mixed-use buildings, we help landlords and investors arrange commercial investment mortgage finance based on rental income, tenant profile, and how the investment is intended to perform over time.
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Our role is to help you approach the right lenders from the outset — and avoid wasted cost and delays where criteria don’t fit.
Types of commercial investment property commonly financed
Commercial investment lending covers a wide range of property types, including:
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Retail units and shops
From local parades to larger high-street premises.
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Offices
Single offices, converted buildings, or multi-let office space.
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Industrial and warehousing
Units let to manufacturers, trade counters, distributors, or storage operators.
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Hospitality (where suitable)
Cafés, restaurants, pubs, and other trading premises (lender appetite varies).
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Mixed-use buildings
For example, a shop with flats above or office with residential accommodation.
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Every lender views risk differently, so the property type and tenant picture matters.
What lenders typically look for
When assessing a commercial investment mortgage, lenders commonly focus on:
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Tenant profile and lease terms
Stronger tenants and longer leases are often viewed more favourably than short leases or vacant property.
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Rental income and affordability
Lenders assess whether the rent supports the borrowing (often via a rent cover calculation).
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Property type and marketability
Certain sectors can be more restricted depending on lender appetite.
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Condition, compliance and sustainability
Valuation outcomes and basic compliance issues can affect lender choice and timing.
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Borrower structure and experience
Whether the application is personal name, limited company or SPV, and the borrower’s experience (where relevant).
If you’re unsure how a lender is likely to view your tenant or lease, it’s worth clarifying this early — before incurring valuation or legal costs.
How much can you borrow?
Every case is assessed individually, but common parameters include:
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Loan-to-Value (LTV):
Often around 65–75% of the commercial property value, depending on property type, tenant strength, and the overall deal.
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Term length:
Commonly 5–25 years, with repayment or interest-only options depending on lender and circumstances.
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Pricing:
Rates are typically higher than owner-occupier borrowing as risk is linked more closely to rental stability.
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Rental cover:
Lenders usually want to see rental income exceed mortgage payments by a margin (rent cover requirement varies by lender).
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Early structuring (and lender selection) is often what makes the difference between a smooth process and a slow one.
Investment strategies we commonly support
Commercial investment borrowing is often used to support broader plans, such as:
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Portfolio expansion
Adding new properties with stable rental income.
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Refinancing and capital raising
Releasing equity for reinvestment, business use, or consolidation.
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Limited company / SPV borrowing
Structuring limited company or SPV borrowing in a way that fits the wider portfolio strategy.
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Value-add investments
Properties where you plan to refurbish, re-let, improve the lease profile, or increase yield over time.
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How the process works
We provide clear communication, support when you need it, and avoid surprises throughout the process.
Why work with an independent commercial broker
Commercial investment mortgage criteria varies widely between lenders — particularly for mixed-use property, shorter leases, and assets with non-standard considerations.
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As an independent broker, we:
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Are not tied to any one bank or lender
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Help match the property and tenant profile to suitable lenders
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Structure the application around your circumstances
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Support you through to completion
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With long-standing ties to North London, our advice is shaped by a practical understanding of the area’s commercial property landscape — from mixed-use buildings to owner-occupied premises. This local knowledge is why we focus our work here, helping business owners and investors navigate lender requirements.
Considering your next purchase or refinance?
If you’re looking at a commercial investment purchase or refinance, an initial conversation can help clarify which lenders are likely to be suitable and how to approach the deal.
Speak to a North London Commercial Mortgage Broker now on 0207 xxxxxx