Commercial Mortgages – What Are They?

Commercial mortgages are, in the strictest sense, any loan secured on property which is not your domestic residence. Some commercial mortgage lenders will only lend specifically on commercial property. That is to say they will only lend on property that is zoned for commercial use and not lend on residential property for investment purposes.

This includes commercial mortgages for the buy-to-let market. Buy-to-let mortgages are a special type of high volume commercial mortgages that are packaged for a volume market.

Whatever the circumstances, all premises are different in some way, and as such each loan is assessed individually and on its own merits. As a result it is typical that commercial mortgages are priced according to the risk.

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