Commercial Mortgages for Industrial Units & Warehouses

Securing your mortgages
for industrial sites

What is a commercial mortgage for industrial premises?

A commercial mortgage can be either for your own business to operate from or as an investment where you lease the premises to a third-party.

Commercial mortgages for industrial premises and warehouses offer tailored finance solutions for businesses generally operating in the manufacturing, distribution, logistics, and storage industries, although this list is not restricted.

Whether you’re purchasing a new property or refinancing an existing one, these mortgages are designed to support your business and its growth.

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How do commercial mortgages for industrial units work?

These mortgages are typically assessed based on the property’s location and suitability as an industrial unit/warehouse, as well as the business’s financial performance or rental income if the property is let to a third-party business.

As with all commercial finance, loan terms are generally 2-30 years with interest only or capital and interest repayments and minimum deposit requirements are at least 25% of the property’s value.

What makes mortgages for industrial properties different from other commercial mortgages?

Industrial units and warehouses often have specific operational requirements, such as loading bays, higher ceilings, and potentially, zoning requirements. Therefore, the mortgages available for these property types are more specialist, as lenders have to take these factors into account when assessing your application.

Types of industrial properties we can help you source finance for

Warehouses and distribution centres
Factories and manufacturing plants
Storage facilities
Industrial estates
Light industrial units and workshops

What to consider when choosing an industrial property as an investment

Due to the nature of these types of businesses, lenders will want to ensure that health and safety standards are being met, as well as that the unit has the necessary planning permissions in place.

Eligibility criteria for financing industrial units and warehouses

When applying for finance for these property types, lenders need to see that the property is suitable for industrial use and that the correct zoning compliance and planning permissions are in place.

Having a good credit history, existing or previous experience in the business sector for owner-occupiers, or experience with owning and letting residential or commercial properties is an advantage. Proving proposals for potential income streams and costs relating to the property will also boost your application.

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Why choose MFB for your commercial mortgage?

With over 35 years’ experience, we’re the experts in commercial finance
Our team are all bank-trained in this sector, giving us the expertise we need to find the best solution for you
Our longstanding relationships with leading commercial mortgage lenders mean we’ll find you the best deal on the market
Our team are all experts in their field and understand the market’s complexities

Talk to a commercial mortgage broker

We handle all types of commercial mortgages, from commercial investment and owner-occupier to semi-commercial. Our expert commercial mortgage brokers are eager to help with your future aspirations. Just get in touch through our channels.