Mortgage guide
Warehouse Mortgage: detailed guide
We assist commercial clients with mortgage options for warehouses, offering borrowing to investment owners and business owners.
- Published
- 13 Apr 2026
- Last reviewed
- 11 Sep 2026
- Reading time
- 1 min
What is different about warehouse mortgages?
Warehouse properties are in high demand, especially with the expansion of e-commerce and online retail.
Read more about What is different about warehouse mortgages?
Commercial mortgage calculator
Choose owner occupier for a business buying or refinancing its own warehouse, assessed on adjusted net profit before tax, or investment for a warehouse let to tenants, assessed on lease income.
Key Features (warehouse mortgages)
These wider product criteria provide context for this guide. The lender will assess your individual case.
| Feature | Detail |
|---|---|
| Loan to Value | Up to 75% |
| Mortgage Term | Up to 40 years |
| Repayment Options | Capital repayment, interest only |
| Valuation Options | Yield based (going concern), vacant possession (VP), bricks and mortar 180-90 day |
| Experience | Not required |
| Product Access | Whole of Market |
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Frequently asked questions
What is an exit strategy on a warehouse mortgage?
An exit strategy is how the borrower plans to repay the mortgage, whether by selling the property, refinancing onto a longer-term facility, or servicing the debt from lease income.
Can I get a warehouse mortgage as an inexperienced buyer?
Yes. Lenders may apply stricter terms such as a lower Loan to Value, and may use a bricks and mortar valuation rather than a yield-based one, reflecting the higher perceived risk.
What is the Loan to Value (LTV) for a warehouse mortgage?
Loan to Value on a warehouse mortgage typically ranges from 60% to 75%, requiring a deposit of 25% to 40% of the property value. The LTV available depends on the property's risk profile and the borrower's financial standing.
What types of valuation are used for warehouse mortgages?
The valuations used are bricks and mortar 90-day value, bricks and mortar vacant possession, MV1 yield-based valuation, and accounts-based valuation for operating businesses. Which applies depends on the borrower's experience, the lease agreements, and the financial evidence available.
What is a warehouse mortgage?
A warehouse mortgage is commercial finance used to purchase or refinance a warehouse property. Warehouse mortgages are tailored to industrial spaces, storage units, and distribution centres, and are assessed on the property's value, lease agreements, and income potential.
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