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Investment Mortgages

Long term mortgages for landlords of residential or commercial properties and portfolios.

Investment mortgages include commercial or semi commercial properties let out to third parties unconnected to your own business. Examples could include shops with flats above, lock up shops, single or multi let offices, and industrial units or estates. Positive Commercial Finance has access to the whole of market via our specialist partners. We use our vast experience to facilitate the most suitable mortgage available via the high street and specialist lenders.

Each lender has their own criteria as to what they will and wont finance for example some wont finance properties within the leisure industry, pubs, restaurants, hotels etc whilst others actively seek these opportunities. With our industry knowledge we approach only the suitable lenders thus saving time and ensuring you get the right deal for you.

Depending on your investment strategy you may require an interest only loan to keep your monthly repayments low and rely on selling the property at a higher value in the future to repay the loan, others may want a capital and interest loan knowing that when the loan term is up the property is mortgage free and the income it generates at that point is theirs. We have lenders on our panel who can accommodate both strategies.

Note that these mortgages are not the same as Buy To Lets. As lenders’ criteria, rates, costs and terms can vary quite considerably, and change quite regularly, it is not possible to list them all here.

What is an investment mortgage?

An Investment Mortgage is used when you are purchasing a property that derives a rental income, the investment part comes from either the capital uplift in the property or the surplus between rent and repayment being used as an alternative income

Who can get an investment mortgage?

Anybody aged 18+ and have sufficient cash or other assets to be used as a deposit

Can I borrow in a limited company?

Yes, we are seeing more and more clients forming limited companies to purchase Investment properties, however before forming a Limited company to purchase Investment properties we strongly advise you to speak to a tax adviser as its not always suitable for everyone’s personal circumstances.

Does the rent need to cover the interest?

Yes and often lenders will want to see that there is headroom in any loan to cover things such as void periods. Your rent should be at least 125% the interest costs.

What types of property can be used for investment mortgages?

Any property can be used for Investment Mortgages as long as it generates an income

What rates should I expect to pay?

Rates can vary depending on amount borrowed, term and asset class, however loans are available from 2.4% over base rate

What Loan to values can I achieve?

Loan to Value ( LTV) varies from lender to lender. Usually the more conservative the LTV the cheaper the rate available, however LTV’s of up to 80% can be available

Other options within Mortgages

If you want a fast, flexible and reliable service, try
Positive Commercial Finance.


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