What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

HMO Financing in sUTTON

🏢 Commercial Mortgages in Sutton

💼 Finance for Business Premises, Investments, and Mixed-Use Property

Looking to purchase or refinance a commercial property in Sutton? Whether you’re acquiring a retail unit, funding a refurbishment, or moving your business into new premises, we help explore mortgage options that suit your goals and long-term plans.

We work with business owners, developers and investors across Sutton, Cheam, Belmont and surrounding areas to arrange commercial mortgages for a variety of property types — including semi-commercial buildings, buy-to-let portfolios, and trading premises.

🤝 What We Help With

🏬 Mortgages for retail, office, and light industrial units
🏠🏢 Mixed-use and semi-commercial property finance
📈 Commercial investment and development funding
💰 Property acquisition through SIPP or SSAS pensions

👥 Who Uses Commercial Mortgages?

👩‍💼 Business owners purchasing premises for their own use
📊 Property investors buying commercial assets to let
🔨 Developers financing conversions or refurbishment projects

❓ Commercial Mortgage FAQs

💸 How much can I borrow?

This depends on the rental income, business financials, or projected yields. Loans typically range from £50,000 to £5 million or more.

📜 Do I need a trading history?

Most lenders prefer at least 2 years of trading accounts, but some will consider less if other strengths — such as security or experience — are in place.

🏦 What deposit is required?

Deposits usually fall between 25% and 30%, depending on the type of property, whether it’s owner-occupied or an investment, and your overall profile.

📞 Ready to Finance Your Next Property?

We support clients across Sutton with straightforward, tailored commercial mortgage options — whether you’re buying a shop, office space, or mixed-use building.

📩 Get in Touch

Use our contact form, request a callback, or give us a call to discuss your plans.

🧮 Mortgage Calculator for Sutton Buyers and Homeowners

Planning ahead is key — and our mortgage calculator gives you a simple way to estimate your monthly repayments before making any commitments. Whether you’re buying a property in Sutton or considering a remortgage, it’s a quick way to check affordability.

Just enter your loan amount, interest rate, and term to get an instant idea of what your repayments could look like. It’s a great first step in understanding your options and budgeting with confidence.

Ready to explore your numbers?
Try our Mortgage Calculator now and start planning your next move in Sutton.

Contact Us Today -0800 8786 047

Please feel free to complete our form and one of our friendly team will happily contact you.