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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"}}}},{"title":"The different types of commercial mortgages","descriptionCards":[{"title":"Owner-occupier mortgage","icon":"Hand holding bag of money","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Ideal if your business plans to operate within the property. These owner occupied commercial mortgage products often come with lower commercial mortgage rates and can stretch over 15 to 25 years. Typically, you can borrow up to 75% of the property’s value.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Buy-to-let mortgage","icon":"House and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Designed for rental properties—commercial or residential. The lender focuses on projected rental income to gauge affordability. While potentially lucrative, a \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/buy-to-let-limited-company/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"buy to let commercial mortgage\",\"marks\":[{\"type\":\"underline\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" comes with the risk of market fluctuations in rent demand.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Partial commercial mortgage","icon":"Lock","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Perfect for mixed-use properties (e.g., a retail storefront with flats above). A \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/find-a-semi-commercial-mortgage-lender/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"semi commercial mortgage \",\"marks\":[{\"type\":\"underline\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\"usually factors in both rental potential and your business’s income.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Bridging loans for commercial purposes","icon":"House and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/bridging-loans/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"for short-term funding\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" or 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guarantor.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"5eb2c715-2dcf-5085-95af-e47ac4541aaf"},{"id":"5f8d8d09-b6c1-5410-8b73-a96d4431eab3"},{"id":"58a383af-69ec-52c5-811b-953794bef269"},{"id":"7ae33d9f-6ec7-54ea-afb0-d5dab7824ac9"}]}},{"title":"Alternatives to commercial mortgages","descriptionCards":[{"title":"Short-term funding for property purchases or development","icon":"Hand holding bag of money","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/bridging-loans/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Bridging loans\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"For construction or refurbishment projects","icon":"House and 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Some lenders may consider it with a strong deposit or additional security. See \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/business-loans-for-new-businesses/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"business loans for new businesses.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"b6920ea0-ba15-5df7-9852-b57b7306a570","label":"What’s the difference between a commercial mortgage and a buy-to-let mortgage?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Commercial mortgages fund business premises, while buy-to-let is for landlords buying residential property to rent.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"f25ebeac-5d43-59b3-8819-c37235cd3502","label":"Can I refinance my existing property?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes – refinancing can lower repayments, change your rate type, or release equity.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"f25ebeac-5d43-59b3-8819-c37235cd3502"},{"id":"b6920ea0-ba15-5df7-9852-b57b7306a570"},{"id":"9a51c887-d5d6-5e8e-84fb-9cd061e18b19"},{"id":"dd7d3287-3c56-5004-ac45-555e2cf38228"},{"id":"9407ff69-836c-5299-afb9-052b0494c9b9"}]}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionDisclaimer"}}},"disclaimer":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Please note that the information above is not intended to be financial advice. You should seek independent financial advice before making any decisions about your financial future.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. Funding Options are a credit broker and do not provide loans directly. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. Funding Options will receive a commission or finder’s fee for effecting such finance introductions.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\\n\",\"marks\":[],\"data\":{}}]}]}"}}],"author":{"name":"Vivek Seda","jobTitle":"Business Finance Manager","slug":"vivek-seda","shortBio":{"shortBio":"Vivek is the Asset Based Lending Manager at Funding Options by Tide. Vivek has been in the industry for over 10 years, working for both lenders and brokers. 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