Sole Trader & Small Business Mortgages, Finance for Independent Businesses
Commercial Mortgages for small businesses
Running your own business often means wearing many hats — and securing finance shouldn’t be another headache.
A small business or sole trader commercial mortgage helps you buy, refinance or expand your business premises, giving you stability, flexibility, and control over your future.
Want to explore your options?
📞 Call us on 01202 985214 or request a free call-back:
Who we can arrange commercial mortgages for
Sole traders and partnerships
Running cafés, salons, shops, or workshops.
Small limited companies
Purchasing or refinancing their trading premises.
Family-run businesses
Seeking to buy the building they currently rent.
Start-ups or expanding firms
Needing extra space to grow.
Typical uses for a small business mortgage
Buying your first business property instead of renting.
Purchasing additional premises to expand operations.
Refinancing existing premises to release equity.
Refurbishing or upgrading your current space.
If you’re unsure which option fits your business, we’ll point you in the right direction.
Call 01202 985214 for a no-obligation review or request a free call-back:
What lenders look for
When assessing small business or sole trader applications, lenders usually consider:
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Trading history and accounts — ideally 2–3 years, but flexible options exist for newer businesses.
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Profitability and cashflow — ability to service monthly repayments.
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Deposit and security — typically 25–35% deposit required.
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Business plan or projections — especially important for start-ups.
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Property use and location — well-situated, viable trading premises are preferred.
Worried you won’t meet every box? We’ll review your accounts and plans up front, so you know what’s possible before applying.
Key Features of small business commercial mortgages
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Loan-to-Value (LTV): up to 75% of the property’s value.
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Terms: usually 5–25 years.
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Repayment Types: repayment or interest-only options available.
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Rates: typically start at 6%, depending on business strength and deposit.
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Flexibility: available for both freehold and long leasehold properties.
Why work with Bournemouth Mortgages?
✅ Independent, whole-of-market advice.
✅ Specialist experience helping local small businesses and sole traders.
✅ Access to lenders who consider limited trading history or self-employed income.
✅ Friendly, transparent service from first chat to completion.
Ready to finance your next step?
📞Call us on 01202 985214 or request a free call-back.
We’ll help you secure the right commercial mortgage for your small business or sole trader operation.
Related pages:
Back to Commercial Mortgages Hub
Landlord & Investment Commercial Mortgages
Owner-Occupier Commercial Mortgages
Explore Commercial Mortgages in Westbourne
Property Refurbishment Finance