Business Mortgage

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Things to think about when buying for business

Many brokers, specialist lenders and big-name banks will offer a business mortgage, usually for up to 75% of the value of the property. Mortgages are available for shops, factories, pubs and rural businesses, but many lenders exclude petrol stations due to the higher than average risk involved.

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If you're looking for a business mortgage, there are plenty of firms willing to help you out from specialist brokers to big-name lenders. 100% mortgages are rare, though, and the type of mortgage you can get depends on the type of business you're in. Some firms offer special mortgage packages for rural businesses such as farms and garden centres, while others offer packages aimed at development projects. One common exclusion is filling stations, due to the higher-than-average risk involved: if you're in the petrol business you'll need to look for a specialist lender.

When you apply for a business mortgage you'll usually have to stump up a hefty deposit: mainstream lenders tend to offer up to 75% of the market value if you're buying a new property or up to 90% if you're a sitting tenant. It's important to note that the lender will not normally take goodwill or fixtures and fittings into consideration.

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