Investment Commercial Mortgages – Finance for Property Investors
What Is a Landlord / Investment Commercial Mortgage?
Investment commercial mortgages are designed for individuals or companies looking to purchase or refinance commercial property to generate rental income or growth.
This includes property investors and landlords seeking to expand their portfolio or refinance existing assets.
Instead of occupying the property yourself, you rely on rental income and long-term capital growth to support your investment strategy.
Looking to start or expand your commercial portfolio?
📞 Call us on 01202 985214 or request a free call-back to discuss your investment plans and borrowing strategy.
Types of investment properties you can finance
Retail units and local shops
From high-street premises to local stores.
Industrial units and warehouses
Units let to manufacturers, distributors or storage operators.
Offices, small business premises and studio space
Single offices or larger office buildings.
Hospitality
Restaurants, pubs, cafés, B&Bs, hotels.
Mixed-use buildings combining commercial and residential uses
E.g. ground-floor retail with flats above.
What lenders look for
Tenant Quality: long-term leases with established tenants are viewed more favourably than short-term lets or vacant premises.
Property Type: some sectors (e.g. retail, hospitality) may be viewed as higher risk than offices or industrial.
Rental Income: lenders check whether projected rent comfortably covers repayments.
Location: strong commercial areas and prime locations often secure better deals.
Not sure if your property or tenant profile will qualify?
Call 01202 985214 for a no-obligation review or request a free call-back:
How much can you borrow?
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Loan-to-Value (LTV): typically up to 65–75% for investment commercial mortgages (a 25–35% deposit is often required).
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Loan Terms: usually 5–25 years, repayment or interest-only options available.
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Rates: tend to be higher than owner-occupier mortgages, since lender risk depends on tenant stability and rental income.
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Rental Cover: lenders will want to see that rental income exceeds the mortgage repayments (a “rent coverage ratio”).
Investment & Portfolio strategies we support
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Portfolio Expansion – adding new properties to your portfolio.
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Refinancing – releasing equity from one property to reinvest elsewhere.
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Buy-to-Let Companies – mortgages arranged via limited companies or SPVs.
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Value-Add Investments – properties you plan to refurbish, convert, or improve to increase rental yield.
Why work with Bournemouth Mortgages?
✅ Independent, whole-of-market broker with access to specialist investment lenders.
✅ Expertise in structuring deals for landlords and property companies.
✅ Local market insight in Bournemouth, Poole, Christchurch & Dorset — plus nationwide coverage.
✅ Hands-on service to liaise with solicitors, valuers and lenders.
Ready to Finance Your Next Investment?
📞Call us on 01202 985214 or request a free call-back
We’ll compare lenders and help you secure the right deal for your next commercial property.
