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commercial iconCommercial Mortgages

Flexible, High Value Finance for Commercial Property Ventures

At West One, our approach to commercial mortgages is founded on a thorough understanding of business requirements and property investment objectives.

We specialise in delivering bespoke financing solutions for commercial properties, offering a blend of efficiency, transparency, and expert knowledge to support your long-term growth and success.

Our experienced team is committed to delivering cases with speed and flexibility and applies an individual approach to underwriting. This ensures that we review each case on its own merits and support clients with smooth and secure purchases or re-mortgages.

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Commercial
Highlights

Highlights

  • 5-Year Fixed Rates from 7.54%
  • 2-Year Fixed Rates from 7.44%
  • Variable rates from +4.49% above BBR
  • LTV up to 65% of the Vacant Possession Market Value Figure
  • Owner Occupied & Investment options available 
  • Interest Only & Capital Repayment available
  • Up to age 80 at the end of the loan term (No max age if self-funding)
  • First Time Landlords Acceptable
  • No application fee
Semi-Commercial
Highlights

Highlights

  • 5-Year Fixed Rates from 6.84%
  • 2-Year Fixed Rates from 6.69%
  • Variable rates from +3.29% above BBR
  • LTV up to 65% of the Vacant Possession Market Value Figure
  • Owner Occupied & Investment options available 
  • Interest Only & Capital Repayment available
  • Up to age 80 at the end of the loan term (No max age if self-funding)
  • First Time Landlords Acceptable
  • No application fee
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Why West One?

  • Streamlined service with all communication responded to within 24hrs
  • One dedicated underwriter assigned to the case
  • Range of property types accepted
  • Owner-occupied & investor finance available through limited companies or individual names
  • Lending in England and Wales
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Key Product Features

  • Semi-commercial fixed rates starting from 6.69%
  • Commercial fixed rates starting from 7.44%
  • LTV up to 65% accepted
  • Day 1 lending available 
  • Loans up to £3million considered
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Become an Introducer

Introduce business to West One

If you would like to discuss a case, register as an introducer or learn more about what West One has to offer, simply complete the short enquiry form below and a member of our broker support team will get in touch.

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Frequently Asked Questions

The Basics
What is a commercial mortgage and semi-commercial mortgage
Commercial mortgages are loans taken against majority non-residential properties where less than 50% of the floorspace is used for residential purposes. Semi-commercial mortgages are loans against properties with more than 50% of the floorspace dedicated to residential use.
What is the max LTV on Commercial Mortgages and how is it calculated?
The maximum LTV on commercial properties available through West One is 65% and is calculated based on vacant possession value.
Criteria
What type of properties are accepted?
For commercial mortgages, acceptable securities include: convenience stores, cafés/restaurants, hairdressers, takeaways, retail units, small offices or PBSAs (max 4 floors) and most mixed-use properties. Some properties are accepted by referral only, including warehouses, industrial units, hotels/B&Bs/guest houses, as well as office blocks or PBSA (>4 floors)
Terms
Which securities are not accepted?
Care homes, night clubs, petrol stations, land, and public houses are not acceptable properties for commercial mortgages with West One.
Are all commercial mortgages subject to valuation?
Yes, valuations are required for all applications. West One will provide three quotes from our panel of valuers for your client to choose from. Once the client has paid the fee and provided confirmation of payment, we will instruct the valuation to take place.