Commercial listed building mortgage

Financing a commercial heritage property, such as a historic guest house, boutique hotel, or listed office building, requires specialist underwriting due to the unique risks and valuation methods involved. A commercial heritage mortgage can be arranged for both trading businesses and investment properties, often with flexible terms and longer repayment periods.

Going Concern vs. Bricks and Mortar Valuations

For operating businesses (e.g., hotels or restaurants), lenders will often value the property as a ‘going concern’, reflecting the income potential of the business rather than just the building’s structure. For properties in need of redevelopment, a 180-day bricks-and-mortar valuation is used. We work with commercial heritage mortgage lenders who understand both approaches, enabling investors to secure up to 70% LTV based on the chosen valuation method.