Mortgages for retail shops

As a retailer there is likely to come a time when you consider replacing the uncertainty of renting with the stability of owning your premises. This is when we can help.

At Stirling Mortgages our commercial mortgage team has extensive experience of arranging commercial mortgages for individuals and companies wishing to purchase a retail premises. 

Our experienced Commercial Mortgage team has arranged mortgages for everything from small newsagent purchases to large retail complexes for multi national companies.

The maximum loan to property value for a retail commercial property purchase is usually 85%. 

The loan amount available can be heavily affected by both the business's trading performance and your own personal experience in running a retail business. As well as the loan value available these factors will also influence the interest rate. Commercial mortgage interest rates for the Retail sector typically vary from the Bank Base Rate + 1% to 4%.

To secure the most competitive rates, evidence of trading accounts and a business plan will be beneficial. 

The maximum term of a retail business mortgage will tend to be 30 years.

If you are interested in obtaining a quote for a mortgage on a retail premises, please call our Commercial Mortgage team on:

0845 257 2492

Or apply online now for a no obligation quote.

Get your fast, no obligation, mortgage, remortgage or loan quote now.

We can arrange commercial mortgages for up to 85% of the property value irrespective of past credit problems or the accounts you have available.

• Mortgages for pubs, restaurants and take-aways
• Mortgages for farms and agricultural businesses
• Mortgages for retail shops
• Mortgages for hotels, guest houses, and B&Bs
• Mortgages for industrial and warehouse units
• Mortgages for offices
• Commercial mortgages for professional premises
• Commercial mortgages for care homes
• Semi Commercial Mortgages