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Purchasing your next home for business or personal

If you are a business owner looking to buy a home, it can be more difficult to secure a mortgage. Buying business premises can be even more problematic. But there are different strategies and our commercial mortgage advice will help you choose the right option. Ask us about a business mortgage Contact our business mortgage advisers

Buying a commercial property for your business

Most businesses looking for a property will choose to rent but it could be more beneficial to buy, as this gives you freedom and flexibility regarding its use and a possible gain in value if you sell. However, there are many legal and financial factors to consider with business mortgages and when buying a commercial property. For example, do you want to buy leasehold or freehold? What is your budget? How does the purchase fit in with the long-term plan for the business? What protection do you have in place if something happened to that property? Then you need to consider business rates and ensure the class of the property is suitable for both current and potential future use. You will also need to ensure the property you buy is fit for purpose: for example, is there enough space per employee? Are there correct toilet and shower facilities? Will you be responsible for the safety of the building? Property buying and mortgages for business can be complex, but our mortgage advisers will help you find the right solution.

Is the time right?

If you are looking to buy a property, whether it is for yourself or your business, it is important to get the timings right. Circumstances can change quickly which could impact on your business’s profitability and, therefore, your own personal finances. It is crucial to take in to account the timelines around business exit planning and retirement. There are opportunities for the purchase of commercial properties to sit within a tax efficient framework of a pension. These are all things that Unividual can support you with to ensure you don’t compromise on your overall objectives, whether it’s a mortgage for business or buying a home.


Can I get a mortgage if I am self-employed?

Buying a house and starting a business are two of the biggest things you’ll ever do, so doing both can be stressful. Even more so if you are self-employed or a new business owner looking to buy a home.

Historically, it has been more difficult for business owners and self-employed people to secure a mortgage. Unividual have good relationships with lenders and commercial mortgage brokers who are starting to relax their rules considerably. As long as you can demonstrate good cash flow to your personal finances, either via dividends or salary, there are a lot of options available. You can also buy property, such as a buy-to-let, through your business which could be a tax-efficient strategy for property purchasing.

There are thousands of options - where do I start?

While you can search for business mortgages yourself, one of Unividual’s advisers will be able to provide help and advice to all these questions, tailored to your specific information. They will have a full view of all the products available in the marketplace. Get in touch with our team of commercial mortgage brokers today.

Start planning today

The Financial Conduct Authority does not regulate some commercial mortgages and some buy to let mortgages.

Commercial mortgages are available by referral to a master broker only.

Ask us about business mortgages

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