Landlord & Investment Commercial Mortgages Finance for Property Investors
What Is a Landlord / Investment Commercial Mortgage?
A landlord commercial mortgage (sometimes called an investment commercial mortgage) is designed for individuals or companies who want to purchase or refinance commercial properties as an investment.
Instead of trading from the premises yourself, you let the property to tenants and rely on the rental income to cover the mortgage.
Looking to start or expand your commercial portfolio?
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📞 Call us on 01202 985214 or request a free call-back:
Types of investment properties you can finance
Retail Units & Shops
From high-street premises to local stores.
Offices
Single offices or larger office buildings.
Industrial & Warehousing
Units let to manufacturers, distributors or storage operators.
Hospitality
Restaurants, pubs, cafés, B&Bs, hotels.
Mixed-Use Properties
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.
Rental Income: lenders check whether projected rent comfortably covers repayments.
Property Type: some sectors (e.g. retail, hospitality) may be viewed as higher risk than offices or industrial.
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”).
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Need to know how much you could borrow based on your rental yield?
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Investment 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.
Related pages:​​​​​​​
Back to Commercial Mortgages Hub
Sole Trader & Small Business Mortgages
Owner-Occupier Commercial Mortgages
Explore Commercial Mortgages in Christchurch
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