£900,000 Commercial Mortgage Secured on Retail Property in Wembley
A limited company secured a £900,000 commercial mortgage at 75% LTV on an owner-occupied retail property in Wembley. 5-year fixed rate, interest-only — straightforward execution on a clean deal.
Deal Snapshot
The Client Scenario
Our client — a self-employed business owner operating through a limited company — was looking to purchase a commercial retail property in Wembley to use as their primary trading premises.
The requirement was clear: a £900,000 commercial mortgage against a £1.2m valuation, structured on interest-only terms to keep monthly outgoings manageable while the business operated from the property.
Owner-occupied commercial mortgages require a different underwriting approach compared to investment properties. Without rental income to service the debt, the lender's focus shifts entirely to the borrower's business trading performance and affordability — meaning clean financials and the right lender match matter from the start.
Key Considerations
While this was a clean deal, commercial mortgage applications for owner-occupied retail still carry common pressure points that need managing correctly.
The Solution
We matched the client with Interbay Commercial — a lender with strong appetite for owner-occupied retail at the required LTV. The case was structured cleanly from the outset, and the application moved through underwriting without friction.
The result: a £900,000 interest-only facility on a 5-year fixed rate at 7.09%, giving the client rate certainty and controlled monthly costs from day one of trading.
Looking for a commercial mortgage on a retail property?
Owner-occupied, self-employed, or purchasing through a limited company — we'll find the right lender and structure the deal properly.
A2Z Bridging Ltd is authorised and regulated by the Financial Conduct Authority · FRN 808769
The Outcome
Need a Commercial Mortgage for Your Business Premises?
Whether you're purchasing, refinancing, or switching lender — we structure it right from the start.
A2Z Bridging Ltd · Authorised & Regulated by the FCA · FRN 808769 · We are a broker, not a lender.
Frequently Asked Questions
Yes — though the lender market is narrower than for investment properties. Without rental income, lenders assess affordability based on business trading performance and financials. On this deal, we secured 75% LTV on an owner-occupied retail unit in Wembley through Interbay Commercial.
Typically 70–75% LTV on commercial retail, depending on the lender, borrower profile, and property location. This case achieved 75% LTV — a strong outcome for owner-occupied commercial. Higher LTVs may be available with additional security or stronger financials.
Absolutely. Limited companies are a common borrowing structure for commercial mortgages. The lender will assess the company's accounts, trading history, and the director's personal financial position. This deal was completed through a Ltd company with self-employed directors.
Yes — many commercial lenders offer interest-only terms, particularly on fixed-rate products. This keeps monthly payments lower and is useful for businesses that want to manage cash flow. On this case, interest-only was secured on a 5-year fixed term at 7.09%.