A commercial property loan or commercial property mortgage is exactly that! It is a loan that is secured on property, much like your normal residential mortgage. A commercial property loan can used to purchase property for your business, fund your property developments, or to allow you to purchase commercial or residential property for investment purposes.

A commercial property loan or commercial mortgage can be used to buy many types of commercial property such as agricultural premises, office or retail premises, medical premises, commercial or warehouse premises and even residential premises for investment purposes.

When buying property for investment purposes you may want to investigate Self Invested Personal Pension Schemes (SIPPs).

1. Repayments can be similar to rental payments.
   
2. Raise money for working capital.
   
3. The interest paid on a commercial property loan or mortgage is tax deductable.
   
4. Buy property investments as part of your SIPP

1. If your business has a property asset but requires funding for expansion or working capital needs then you could use a commercial property loan or commercial mortgage to fund your requirements.
   
2. Instead of raising capital for your business by releasing equity to external investors, retain ownership of your business by releasing funds tied up in your premises.
   
3. Some businesses such as hotels and pubs may require you to buy the property – use a commercial property loan to buy the hotel or buy the pub.

1. The business you are buying requires you to buy the premises.
   
2. You are want to invest in commercial or residential (buy to let) property.
   
3. You want to release the capital tied up in your commercial premises, much like equity release for commercial property.

1. Review your current circumstances
   1. What finance facilities do you currently have in place?
   2. Could you put the cash tied up in to your property to better use?
2. Think about your future
   1. Can you show that you can pay back the loan?
3. Call for no-commitment advice