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mortgage: what it is and how it works","description":null,"accordionItem":[{"id":"9f501ef6-fb31-511d-90ad-411342243e27","label":"What is a commercial mortgage?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"A \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"commercial mortgage\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" is a loan secured against a property used for business purposes. It works similarly to a residential mortgage, but it's designed specifically for commercial buildings - like offices, warehouses, factories, or retail units.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"You borrow a lump sum to buy or refinance a property and repay it over a fixed term, typically between 5 and 25 years. The property acts as collateral, which can make this form of borrowing more accessible for eligible businesses.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"5917c258-4e9b-54c6-b5f6-74a93fc539f8","label":"Key takeaways","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Use a \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"commercial mortgage\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" when you need long-term, property-backed funding with lower monthly costs than short-term finance.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Use cases:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" purchase, refinance, equity release, portfolio growth\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Typical terms:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" ~5–25 years (case & lender dependent)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Repayments:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"capital & interest\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" or \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"interest-only\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" (often part-period)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"LTV:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" up to c. \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"75%\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" for strong cases; lower for complex assets/sectors\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"5917c258-4e9b-54c6-b5f6-74a93fc539f8"},{"id":"9f501ef6-fb31-511d-90ad-411342243e27"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordion"}}},"title":"Types of commercial mortgage","accordion":{"accordionItem":[{"id":"a1993de6-1494-5575-82ed-3f8a136d62f4","label":"At a glance","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"table\",\"data\":{},\"content\":[{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Type\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Best for\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Repayments\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Typical LTV\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Notes\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Owner-occupied\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Your trading premises (e.g., office, warehouse, retail)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Capital & interest or part interest-only\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Up to ~75%\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Suits businesses seeking stability and control\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Investment (commercial buy-to-let)\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Letting to third-party tenants\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Often interest-only then refinance\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Up to ~70%\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Rent coverage & lease quality drive affordability\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Semi-commercial (mixed-use)\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Units with both residential + commercial (e.g., shop + flat)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"C&I or interest-only\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Up to ~70%\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Valuation splits by use; 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pricing reflects risk/LTV\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Fees","icon":"Lock","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"arrangement, valuation, legal (both sides), possible broker fee, early repayment/exit\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Other","icon":"Banking institution","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"title, search and survey costs; insurer requirements (e.g., buildings cover)\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Important: This page provides general information, not financial advice. 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