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Commercial Mortgages at 100% Loan to Value

Commercial Mortgages at 100% Loan to Value

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Loan to value refers to the amount you can borrow, compared to the value of the property - and enquiries about maximum LTV rates on commercial mortgages are common!

The Revolution team is often asked to explain which lenders have higher caps. Other businesses are looking for a 100% business mortgage, and want to know where to apply.

As a commercial mortgage expert, the Revolution Finance Brokers team works with a vast range of lenders and specialists, and are always on hand to give professional advice.

Here we have answered some of the most frequently asked questions - but if you need more advice, give us a call on 0330 304 3040 or drop an email to info@revolutionbrokers.co.uk.

The following topics are covered below:

Is it Possible to Get a 100% LTV Commercial Mortgage?

How Can I Apply for a 100% Loan to Value Business Mortgage?

Am I Eligible for a 100% Commercial Mortgage?

I Want to Apply for a 100% Business Mortgage - Where Do I Start?

Are 90% LTV Commercial Mortgages Available?

Can I Get a Business Loan if I have a 20% Deposit?

Is it Possible to Get a Commercial Mortgage if I Don't Have a Deposit?

Expert Support on Commercial Mortgages at 100% LTV

Is it Possible to Get a 100% LTV Commercial Mortgage?

Typically, a mainstream lender will offer around 70-80% as a maximum LTV cap on an owner-occupied mortgage. They will often go up to 75% for commercial investments, so you'd need a deposit of anywhere from 20% up to 40% depending on the circumstances.

However, there are niche lenders who will offer 100% commercial mortgages.

In most cases, this requires some security or first charge debenture to offset the higher risk.

How Can I Apply for a 100% Loan to Value Business Mortgage?

If your mortgage is 100% Loan to Value, that means it is worth the total amount of the property, and you won't need a deposit.

In almost every case, you'll need to offer security instead of a deposit, which means that the lender has something to rely on if you fail to keep up with the repayments.

Most security assets are property, or a business asset owned by the company with enough equity to make it equivalent to a reasonable deposit. However, you need to consider this carefully as there is the potential that the asset will be repossessed if you default on the payments.

Am I Eligible for a 100% Commercial Mortgage?

Every lender will have policies to adhere to, but in essence, the key criteria are the same as for any other type of commercial lending:

  • Whether the business is profitable and earns enough to afford the repayments?
  • Does the company have a good credit rating? Note that businesses with bad credit, or owned by shareholders with adverse credit are best placed to apply to specialist bad credit lenders.
  • How well established is the business, and does it have a good track record of healthy trading?
  • Is the investment viable, and supported by a well thought out business plan?

I Want to Apply for a 100% Business Mortgage - Where Do I Start?

If you need a high LTV commercial loan, the best option is to consult an experienced, independent broker. As a whole-of-market service, the Revolution Finance team can recommend any product from any lender that we think is the best deal for you.

Brokers can also negotiate with lenders, and ensure you only approach commercial mortgage providers they know will be able to consider your application.

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Are 90% LTV Commercial Mortgages Available?

Yes, if you have a 10% deposit and can offer some extra security, you can secure lending from providers.

At 90% Loan to Value, this is still a high-risk proposition, and so you are advised to consult a professional broker to recommend the best lenders to apply to.

Can I Get a Business Loan if I have a 20% Deposit?

If you have a 20% deposit and need an 80% LTV business mortgage, you might not need to offer additional security, provided the application isn't otherwise considered high risk.

Many mainstream lenders have a 75% cap, and therefore will need additional security. However, specialist providers can offer an 80% LTV.

In almost all cases, if you need to borrow anywhere from 85% and above of the value of a commercial property or investment, extra security or guarantees will be required.

Is it Possible to Get a Commercial Mortgage if I Don't Have a Deposit?

Yes, you can get a 100% Loan to Value commercial mortgage, but if you don't have any deposit, then you’ll need to offer an alternative form of security.

Most commercial mortgages are limited to:

  • 70-80% for owner-occupied premises
  • 75% for commercial mortgages

However, you can sometimes secure 80% and above, provided the security on offer is sufficient.

Expert Support on Commercial Mortgages at 100% LTV

High LTV commercial mortgages are a specialist product and one you are highly unlikely to find on the high street. The most efficient option is to work with an expert broker, who can scour the market on your behalf and make independent recommendations about the best products for you.

Contact the Revolution Brokers team today on 0330 304 3040 for more assistance.

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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