Mortgage guide
Commercial Mortgages Northern Ireland
Northern Ireland offers strong opportunities for commercial property investment, with demand across sectors like care homes, guest houses, healthcare facilities, and storage units.
- Published
- 4 Aug 2026
- Last reviewed
- 4 Aug 2026
- Reading time
- 2 min
Commercial Mortgages Northern Ireland
Northern Ireland offers strong opportunities for commercial property investment, with demand across sectors like care homes, guest houses, healthcare facilities, and storage units. We provide expert support for anyone seeking a c ommercial mortgage Northern Ireland, offering tailored finance solutions for investors, developers, and business owners. As experienced c ommercial mortgage brokers Northern Ireland, we work closely with a panel of trusted c ommercial mortgage lenders Northern Ireland to secure the most competitive deals whether you’re applying in Belfast, Derry, Londonderry, or Lisburn. From c ommercial property mortgage Northern Ireland to limited company and semi-commercial lending, we help you access the b est commercial mortgage Northern Ireland options with clarity. Use our c ommercial mortgage Northern Ireland calculator to assess borrowing potential and compare current c ommercial m ortgage Northern Ireland rates and c ommercial mortgage rates Northern Ireland with expert help from a leading c ommercial mortgage broker Northern Ireland. Explore how c ommercial m ortgages Northern Ireland can support your next business move.
Commercial mortgage calculator
Choose owner occupier for a business buying or refinancing premises it trades from, assessed on adjusted net profit before tax from the latest accounts, or investment for property let to tenants, assessed on lease income.
Commercial mortgage criteria
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Criteria | Detail |
|---|---|
| Max Loan to Value (LTV) | 80% LTV Care Home Mortgages, 100% LTV Medical Commercial Mortgages, 75% Commercial Investment |
| Max Term | Up to 40 years |
| Completions | From 4 weeks |
| Repayment options | Capital repayment and Interest only |
| Commercial mortgage rates | From 6.19% |
| Rate options | Variable, Base Rate Tracker, 2, 3 or 5 year fixed mortgage options |
| Valuation methods | Going concern/Investment (Market value 1, MV1), MV2, MV3 or bricks and mortar |
| Flexible Leases | Rolling leases, weak covenants and short time remaining accepted |
| Adverse credit | Accepted on some products on a case by case basis |
| Locations | Available in England, Scotland, Wales and Northern Ireland |
| Experience | Not required on certain products |
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Feature | Detail |
|---|---|
| Max Loan to Value (LTV) | 65% |
| Product fee | 5% (4.74% for existing customers) |
| Fixed rate (5 years) | 6.34% |
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Frequently asked questions
Are commercial bridging loans available in Northern Ireland?
Yes, commercial bridging loans are available in Northern Ireland for purchasing, refinancing, or redeveloping commercial property including offices, retail units, warehouses, and mixed-use buildings. Commercial bridging loan terms, rates, and loan-to-value ratios differ from residential products, and lenders assess the borrower's commercial experience and exit strategy carefully.
Can you get a 90% commercial mortgage?
Yes, 90% loan-to-value commercial mortgages are possible, but only in limited sectors such as healthcare properties, pharmacies, or certain convenience stores with strong trading history. For most other commercial properties, maximum lending is typically capped at around 70% to 75% LTV.
What is a commercial mortgage?
A commercial mortgage is an asset-backed loan secured against commercial, semi-commercial or large-scale investment property. Lenders assess it on income sustainability and asset risk rather than personal income multiples, and pricing is set case by case, usually as a margin over Bank Rate.
What is commercial lending?
Commercial lending refers to loans secured against property used for business purposes, such as offices, retail units, or industrial premises. Terms, rates, and deposits are individually assessed and typically differ from residential mortgages.
What is a commercial bridge?
A commercial bridge is a short-term, property-backed loan used to purchase, refinance, or stabilise commercial or mixed-use property when a standard commercial mortgage is not immediately available. It is exit-driven, typically runs for 3-12 months, uses rolled-up interest, and is repaid through sale or refinance rather than ongoing affordability.
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