Why our owner occupier loans could offer the ideal solution
We know it can sometimes be difficult for commercial clients to find the right rental property that fits their business needs. All too often the rent’s expensive, it’s the wrong size or it’s in an unsuitable location.

It’s why our owner occupier loans could offer the ideal solution. An owner occupier loan enables clients to purchase a building and operate their trading company from the same premises, allowing them to make a long-term investment in property and their business at the same time.

Key criteria: 

  • Affordability based on ICR at 110% using market rent confirmed by valuer and at 125% using net profit/EBITDA, assessed at 5% or the initial pay rate, whichever is higher
  • Available up to 75% LTV
  • No limits on property value or loan size
  • Available where no trading company lease exists
  • Last 2 years’ accounts required
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We’re determined to deliver on every case we work on, so please contact your specialist finance account manager, get in touch using Live Chat or call our broker sales support team on 0345 878 7000 if you have any questions.