£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.
£900,000
Loan amount
75%
Loan-to-value
5-year fixed, interest-only
Term
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.
- Owner-occupied retail is a narrower lender market than standard investment commercial
- Self-employed income through a Ltd company requires careful packaging for underwriting
- 75% LTV on commercial retail demands strong affordability and business financials
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.
- Identified Interbay Commercial as the right lender for owner-occupied retail at 75% LTV
- Packaged Ltd company financials to meet commercial underwriting criteria
- Secured interest-only terms to keep monthly outgoings manageable
- 5-year fixed rate locked in for payment certainty
The Outcome
£900k
Facility Secured
75%
LTV Achieved
5yr
Fixed Rate
7.09%
Interest Rate
Owner-Occupied Approved
Hassle-Free Completion
Frequently Asked Questions
Can I get a commercial mortgage on an owner-occupied retail property?
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.
What LTV can I get on a commercial mortgage for retail?
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.
Can a limited company take out a commercial mortgage?
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.
Is interest-only available on a commercial mortgage?
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%.
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