Commercial Mortgage & Property Finance Guides
Commercial property finance can be more complex than a standard residential mortgage. The property, business, rental income, trading history, ownership structure and purpose of the finance can all influence how a lender assesses an application.
Our Commercial Mortgage & Property Finance Guides are designed to help business owners, landlords and property investors better understand commercial mortgages and specialist property finance.
Whether you're looking to buy premises for your own business, invest in commercial property, finance a mixed-use building or understand what lenders may require during a commercial mortgage application, explore our guides below.
Cambs Ely Mortgages provides commercial mortgage and property finance advice to clients in Ely, Cambridge, Cambridgeshire, East Anglia and across England.
Please note: Some forms of commercial mortgage and business finance are not regulated by the Financial Conduct Authority.
Commercial Mortgage Essentials
Commercial Mortgage Guide
Start here if you're new to commercial mortgages. This guide explains how commercial mortgages work, the different types of commercial lending and some of the factors lenders may consider.
Read the Commercial Mortgage Guide →
Commercial Mortgage Application & Documents Guide
Commercial mortgage applications can require considerably more information than a standard residential mortgage. Learn about accounts, bank statements, business information, leases, property details and other documentation that may be requested.
Commercial Mortgage Glossary
DSCR, EBITDA, LTV, debentures, yields and covenant strength are just some of the terms you may encounter when arranging commercial property finance.
Our glossary explains common terminology in straightforward language.
Explore the Commercial Mortgage Glossary →
Buying Premises for Your Business
Owner-Occupied Commercial Mortgage Guide
If your business is considering purchasing the premises it operates from, an owner-occupied commercial mortgage may provide a way of financing the purchase.
Our guide explains how this type of lending works and some of the information lenders may consider when assessing the business and property.
Read the Owner-Occupied Commercial Mortgage Guide →
Buying Business Premises – Rent or Buy?
Should your business continue renting or consider purchasing its premises?
This guide explores some of the financial and practical considerations, including deposits, mortgage repayments, working capital, flexibility, ownership costs and longer-term business objectives.
Commercial Property Investment
Commercial Investment Mortgage Guide
Commercial investment mortgages are used to finance commercial property that is primarily being held to generate rental income or investment returns.
Learn about rental income, leases, tenants, valuations and some of the factors commercial investment lenders may assess.
Read the Commercial Investment Mortgage Guide →
Semi-Commercial Mortgage Guide
Mixed-use properties can combine commercial and residential accommodation within the same building—for example, a shop with flats above.
Our guide explains why these properties may require specialist finance and some of the considerations involved.
Read the Semi-Commercial Mortgage Guide →
Bridging Finance
Short-term property finance can sometimes be used where speed, refurbishment, property condition or the structure of a transaction makes a conventional mortgage unsuitable at that stage.
Property Development Finance
Development finance is designed for property development projects and is assessed differently from a standard mortgage.
Explore Property Development Finance →
Commercial Mortgage Advice
Commercial lending criteria can vary significantly between lenders. Two businesses purchasing apparently similar properties may have very different finance options depending on their accounts, trading history, deposit, property, industry, lease arrangements and the purpose of the transaction.
Cambs Ely Mortgages can help you understand the finance available for your circumstances and approach suitable lenders.
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Important Information
The information in these guides is intended for general educational purposes and does not constitute personalised financial, legal, accounting or tax advice.
Commercial finance is subject to lender criteria, property suitability, valuation and individual circumstances.
Some forms of commercial mortgage, Buy to Let and business finance are not regulated by the Financial Conduct Authority.
Where appropriate, you should obtain independent legal, tax and accounting advice.