Owner Occupier Commercial Mortgage for a Logistics Company

Positive Commercial Finance specialises in arranging Owner Occupier Commercial Mortgages for businesses looking to purchase their own premises. This case study shows how we helped a successful logistics company secure funding for larger business premises while preserving working capital and reducing monthly occupancy costs.

The Opportunity

Our client operated a well-established logistics business and was approaching the end of the lease on their existing premises.

Rather than signing another lease, they decided the time was right to purchase a larger property that would better support future growth.

Although the business had sufficient funds for a deposit, the directors wanted to retain as much cash as possible within the company to support day-to-day operations and future investment.

The priority was therefore to secure a high Loan to Value (LTV) commercial mortgage without compromising on competitive lending terms.

Securing the Best Funding Options

Positive Commercial Finance prepared a comprehensive funding proposal highlighting the strengths of the business.

This included strong historic trading accounts, experienced management and a clear case for why purchasing the new premises would support long-term growth.

We presented the application to a number of leading High Street banks.

The strength of the proposal gave lenders the confidence to consider the application beyond their standard lending criteria.

As a result, our client received three competitive mortgage offers, providing genuine choice rather than a single funding option.

Deal Structure

• Loan to Value (LTV): 75%
• Loan Amount: £575,000
• Interest Rate: 2.8% over Bank Base Rate*
• Arrangement Fee: 1.5%
• Term: 20 years

*Interest rate reflected market conditions at the time the facility completed.

The Result

The client selected an Owner Occupier Commercial Mortgage offering a high level of borrowing alongside a competitive interest rate and long repayment term.

Importantly, the monthly mortgage repayments were lower than the rent they had previously been paying, allowing the business to move into larger premises while reducing ongoing property costs.

This case study demonstrates how the right commercial mortgage can support business expansion, improve cash flow and help businesses invest in their own long-term future.