Owner-Occupier Commercial Mortgages - Finance for your business premises
What is an Owner-Occupier Commercial Mortgage?
An owner-occupier commercial mortgage is designed for businesses that want to buy the property they trade from — whether that’s an office, warehouse, workshop, retail unit, or hospitality venue.
Instead of paying rent to a landlord, you invest in your own premises, building long-term security and equity for your business.
Thinking of buying your own premises?
📞 Call us on 01202 985214 or request a free call-back:
Benefits of owning your business premises
Control over your space
No risk of a landlord selling or raising rents.
Stability & long-term savings
Your repayments build equity rather than paying rent.
Flexibility
Adapt or refurbish the property as your business grows.
Potential tax advantages
Interest may be deductible as a business expense.
Asset Ownership
If the property increases in value, your business benefits.
What lenders look for
When applying for an owner-occupier commercial mortgage, lenders typically assess:
Your business accounts (2–3 years of trading history preferred, but start-ups may still qualify with strong forecasts).
Cashflow and profitability — ability to cover monthly repayments.
Property type and location — desirable premises in strong areas usually secure better terms.
Director guarantees — some lenders may require a personal guarantee from company directors.
Not sure if your business would meet a lender’s criteria?
We’ll review your accounts, cashflow and property plans up front — so you know where you stand before applying.
How much can you borrow?
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Loan-to-Value (LTV): Typically up to 70–75% of the property’s value (so a 25–30% deposit is usually required).
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Repayment Terms: Often 5–25 years.
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Interest Rates: Usually lower than investment/landlord mortgages, since you’re trading from the property (lower risk).
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Security: The property itself is used as security for the loan.
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​​​​​Not sure how much you could borrow?
📞Call 01202 985214 for a tailored estimate.
The application process
1.
Initial Assessment — we review your business plans, accounts and property goals.
2.
Lender Search — we compare whole-of-market lenders, including specialists not available direct.​
3.
Application Submission — packaging your case to highlight strengths (important for self-employed or new businesses).
4.
Valuation & Offer — lender values the property and issues a formal offer.
5.
Completion — we liaise with solicitors and lenders to push things through smoothly.
Ready to Explore Your Options?
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📞 Call us on 01202 985214 or request a free call-back.
We’ll listen to your plans, explain your options,
and find the right commercial mortgage for your needs.
Why work with Bournemouth Mortgages?
✅ Independent, whole-of-market broker.
✅ Local knowledge in Bournemouth, Poole, Christchurch and Dorset.
✅ Experience helping small businesses, sole traders and established companies.
✅ End-to-end support — from first call to completion.
Ready to buy your own premises?
📞Call us on 01202 985214 or request a free call-back.
We’ll help you compare lenders and secure the right finance for your business property.
Related pages:​​​​​​​
Back to Commercial Mortgages Hub
Sole Trader & Small Business Mortgages
Property Refurbishment Finance
Explore Commercial Mortgages in Bournemouth Town Centre
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