^Commercial Mortgages for Office Buildings – Get Approved Now

Buy-to-let office purchase mortgages suit cases where the office can be let, with lenders assessing rent coverage, lettability, and supporting tenancy evidence. Typical borrowing is often £250,000 to £15,000,000, and terms commonly sit around 15 to 25 years. Interest is lender-set, frequently in the broad ~5% to 8.5%+ range, depending on loan-to-value, property quality, and lease strength. For straightforward cases, decision time is often around 2 to 8 weeks, after valuation and underwriting.

Owner-occupied office mortgages support businesses that need stable premises for their operations. Lenders typically review business performance using accounts and forecasts, alongside affordability of monthly payments. They also consider the property valuation and condition, plus the ability to maintain facilities and compliance. Typical amounts range from £100,000 to £10,000,000, with many terms between 10 and 25 years. Interest is commonly within ~5% to 8.5%+ depending on the risk profile and interest structure. Typical decisions take around 3 to 10 weeks, depending on how quickly accounts, documents, and valuations progress.

Office refinance and capital upgrade mortgages are for replacing current facilities and funding improvements like refurbishment or energy-efficiency projects. Lenders reassess property value and underwriting, and review the capital works plan and deliverability. Typical amounts are often £150,000 to £12,000,000, with terms commonly between 84 and 300 months. Interest is often within ~5% to 8.5%+, and can be higher where works are complex or there are void risks. Decision times often fall between 2 and 10 weeks, and longer may apply where cost review and valuation impact require extra diligence.