Maximum commercial mortgage loan availability changes with market conditions and the business applicants own circumstances.

To obtain a loan a commercial mortgage lenders criteria must be met with regard to income cover (affordability) for monthly repayments and previous credit history.

In todays market the owner occupier or investor in business premises can expect the following maximum loan to values:-

Commercial Mortgage for Investors

Circa 60% to 65% of property value.

Commercial Mortgage for Owner Occupiers

Circa 70% to 75% of property value.

Actual loan to values will be determined by any lender based on affordability factors. This may be referred to as the "Debt Service Coverage Ratio". For example a typical commercial mortgage lender may need the applicant to have sufficient free income to be able to cover any repayment by an additional 25% to 50% of current costs.