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A commercial/business mortgage lasts from 3 to 25 years and you can usually borrow up to 70-75% mortgage.

Key features of taking out a commercial mortgage

A business mortgage plan differs from a regular mortgage in the following ways:

There are usually no fixed rates for commercial mortgages

You’ll usually pay a higher interest rate on commercial mortgages compared to regular home mortgages as these are considered higher-risk to lenders

Commercial mortgages tend to offer better interest rates than regular business loans as these require property as collateral


The interest on your commercial mortgage is tax-deductible

If your property increases in value, your capital could also see an increase

You’ll be able to rent out the property to generate extra income

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