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BIZL

BIZL

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Commercial property finance

In the broadest sense commercial property finance funds the purchase or re-finance of a commercial property.

Where the borrower also trades from the premises then ordinarily the loan is referred to as a “commercial mortgage”. Where the property is leased out to a tenant the loan is often referred to as a “property investment loan”.

Loans tend to be over a longer term – generally 10-25 years – much like a personal buy-to-let mortgage, and will be secured, meaning the lender will take a legal charge over the property.

Loan to values tend to be slightly lower for commercial investment loans compared to owner-occupied commercial mortgages, being anything up to 75% LTV (with 25% contribution coming from savings), but typically lower.

A commercial property investment loan can be for any type of commercial-use property – industrial units, retail shops, offices, surgeries, restaurants and so on, as well as mixed-use properties that have both commercial and residential elements.

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We are BIZL Limited (company number 10838494). Our registered office is 66 Prescot Street, London, E1 8NN. We are authorised and regulated by the Financial Conduct Authority. Registered No: 784499. We are registered with the Information Commissioner’s Office as a Data Controller. Registration reference: ZA267003.

We are a credit broker of business finance; we are not a lender or finance provider. Security may be required. We are independent and work with a number of carefully selected lenders. We may receive a fee or commission for introducing you to one of our finance providers or suppliers.

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