Cambridge & Counties Bank | Owner Occupier Mortgage

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Commercial Investor

Owner Occupier Mortgage

Purchasing a property that will be the trading hub of your business is a great way to invest in property and your business. Owning your commercial property will be a valuable asset, and the key to supporting the growth of your business as you move forward. Our flexible mortgages are a straightforward and simple solution, designed to meet the differing requirements of individual businesses.

Lending criteria

Loans from £150k to £10m

All borrowers must have been trading for a minimum of 12 months

Maximum 70% LTV based on independent professional valuation

Terms from minimum 12 months to maximum 25 years

Interest only available up to 10 years

Personal guarantees required from main directors/shareholders

Secured by way of a first legal charge on a UK located property (excluding Northern Ireland)

Borrowers must be a UK Registered Company, Limited Liability Partnership, Trust, Charity or in personal names

Key features

Interest only option available

Long term committed terms, up to 25 years

Monthly or quarterly repayment options

Equity release purposes allowed as well as purchase and refinance (up to 100% of costs)

Standalone transaction, no need to move the trading current account

Key Features

Interest only option available

Long term committed terms, up to 25 years

Monthly or quarterly repayment options

Equity release purposes allowed as well as purchase and refinance (up to 100% of costs)

Standalone transaction, no need to move the trading current account

Why choose us?

At Cambridge & Counties Bank we understand that it’s beneficial to fund all capital expenditure by tailoring it to your business needs, by considering the life of the asset and in a way which will help to maximise your available funding opportunities. Because of this, our experienced front line and manual underwriting teams work closely to make sure we structure the ideal loan for your requirements. Everything we do is underpinned by our personal service that is truly first class.

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What are you looking for?

Commercial Investment

Make an investment in property and secure the future of your business

Looking for more information? Get in touch with our Property Finance team today.