Semi-Commercial Investment Mortgages
Residential and Commercial properties continue to be an exciting and profitable way for people to increase their personal wealth and prepare for the future. There is a huge range of residential Buy to Let mortgages - but what about commercial or semi commercial investment mortgages?
But what counts as a commercial or semi-commercial property? Well the short answer is anything which is not totally residential. In practice the definition can be slightly grey, the list is long but some examples are:
- Factories
- Offices
- Shops, Pubs, Restaurants etc.
- Shops with accommodation above.
- Accommodation with offices above.
- Flats over fast food outlets.
Higher yields and more stable incomes mean that more people than ever are now turning to Commercial Investment Properties to add value to their portfolios - this means that the choice of Commercial investment mortgages is growing.
There are a number of special considerations when dealing with commercial investment property. The main factors are the length of the lease, its associated income and the quality of the tenant. If you are considering purchasing a Commercial or Semi commercial investment property we have the experience to help you find the most suitable investment mortgage.
Residential Buy to Let Mortgages
Buy to let mortgages are for residential properties when your intention is to rent the property. The amount you can borrow is usually dictated by:
- the anticipated rental income, normally calculated as a ratio.
- A calculation based on your income (full status or self cert).
- or a combination of the options above.
If your poor credit history is causing problems arranging a buy to let mortgage, then we can help. As a specialist buy to let mortgage broker we are also well suited to assist with non-standard and unusual properties.
Investment mortgages for Non-standard construction, semi commercial properties and holiday lets can be quickly arranged with a minimum of fuss.
