Trading Mortgages

If you’re looking for a new property to purchase to conduct commercial operations from, then you will be seeking owner-occupier commercial finance.

Trading Mortgages / Owner Occupier

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In simple terms, an owner-occupier is an individual or company who own the premises they operate from. When looking to acquire owner-occupier finance, it’s important that your business plan is fully formulated as this will form the basis of your loan’s exit. Often times, your business’ income will make up the capital for your loan repayments, so it’s vital that income is consistently maintained to preserve your exit.

We see owner-occupied commercial premises used as a mixed-use site. Mixed-use means the property is used not only for commercial purposes but typically for residential use as well.


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In order to assess your best Commercial Mortgage option, we will need to understand more about your business and confirm the ability to repay the mortgage from business profits or other sources of income. In general terms, we can offer mortgages up to 75% of the freehold / long leasehold value of the property or business being purchased.

Our team will help to ensure your business plan stands up to the scrutiny because lenders will inspect it for flaws. We’ll also do everything possible to help facilitate your commercial finance needs.

Whether you are looking to have a single-use owner-occupied property or use the site for mixed- use, our expert team has a wealth of experience facilitating all commercial requirements. To find out whether we can find the best possible finance for you, call us on 0121 623 7191 today!


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4th Floor, St James House
St James Square
Cheltenham GL50 3PR

Tel0121 623 7191
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Kind Commercial Limited is Authorised and Regulated by the Financial Conduct Authority Ref – 717766 We are a Broker, not a Lender.


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© Kind Commercial Limited. Company Registered in England & Wales. No. 09339868. We may receive a commission that will vary depending on the lender, product or other permissible factors, the nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the price payable by you. We do not have any influence over the interest rate you will pay as this is set by the lender. A copy of our complaints procedure is available upon request.