How much deposit do I need to buy a business?

Typically 25-40% of the property value for the commercial mortgage element. Additional funds may be needed for goodwill, stock, and working capital.

Can I get a mortgage to buy a shop?

Yes, commercial mortgages are available for retail premises. The lender will assess the property's location, rental value, and your business plan.

What interest rates are available?

Commercial mortgage rates are typically 2-5% higher than residential rates, depending on the property type, LTV, and your business profile.

How long are commercial mortgage terms?

Typically 15-25 years, though some lenders offer up to 30 years. Interest-only options are also available.

Buying a Business with a Mortgage

Whether you're buying commercial premises or an entire trading business, we find the right finance. Access to specialist commercial lenders.

Finance for Buying a Business

Buying a business — whether just the premises or the entire trading operation — requires specialist finance. Commercial mortgages work differently from residential: lenders assess the business's trading performance, the property's commercial value, and your experience in the sector. We connect you with specialist commercial lenders who understand your specific industry.

Commercial purchase finance from specialist lenders
Trading business and property purchases supported
Business plan assessment guidance
Up to 75% LTV on commercial purchases
free initial commercial mortgage advice

Step 3 of 5

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Commercial Property Purchase

If you're buying commercial premises to operate your business from, you'll need a commercial mortgage. Lenders assess the property's value, your business plan, and your deposit (typically 25-40%). Owner-occupied commercial mortgages often have slightly better rates than commercial investment mortgages.

Buying a Going Concern

If you're buying an existing trading business (including goodwill, stock, and fixtures), the finance structure is more complex. You may need a combination of commercial mortgage (for the property), business loan (for goodwill and stock), and working capital finance.

Business Plan Requirements

Lenders want to see a robust business plan demonstrating how you'll generate sufficient income to service the mortgage. They'll assess your industry experience, financial projections, and market analysis. We help you present your plan in the most compelling way.

Sector-Specific Lending

Different sectors have different lending criteria. Hospitality (pubs, hotels, restaurants) has specialist lenders. Retail, office, and industrial properties each have their own lending norms. We match you with lenders experienced in your specific sector.