Commercial Mortgages for Leisure Premises

Flexible finance for your
leisure buisness or investment

What is a commercial mortgage for leisure premises?

As the name suggests, a commercial mortgage for leisure premises is a loan used to purchase or refinance properties used for sports and entertainment venues.

This type of mortgage is ideal for leisure business owners who want to own the property they operate from rather than renting a premises or for commercial property investors wanting to expand their portfolio.

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Why choose a commercial mortgage for your leisure premises?

For owner-occupiers, it offers long-term stability as you own your venue and allows you to avoid rental fluctuations
For commercial investors, there’s a capital growth opportunity as leisure properties in prime locations can increase in value over time
There’s greater control to renovate, rebrand, or sublet the space as needed
Commercial mortgages offer tailored finance options and flexible terms

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Types of leisure premises we can finance

We can help you secure commercial finance for a wide range of leisure businesses, including:

Gyms and fitness centres
Sports facilities
Holiday parks and lodges
Fitness studios
Cinemas and entertainment venues

What makes leisure mortgages different from other commercial mortgages?

As mentioned, leisure businesses often experience variable income. Therefore, lenders assess the risk differently for these types of commercial properties. Assessment for debt serviceability is made on the last 3 years of profits and is no different than any other sector of business.

Should profitability be an issue, a bridging loan will be required for up to 2 years or until the business performance has improved.

How do commercial mortgages for leisure premises work?

Typically, commercial loan terms are between 15-25 years, and you’ll need to put down a deposit of 25-40% of the business value.

Special considerations for leisure property finance

For leisure premises, lenders look at the following when assessing your mortgage application:

Seasonal income (holiday businesses only)
Licensing and compliance (for example, does the venue need an alcohol license, and if so, is it in place)
Planning permission (if required)
Health and safety standards

They also want to see that you, the applicant, have:

Relevant industry experience
Business accounts for 3 years showing profitability to service a mortgages
A strong business plan and up to date trade assessment
Good personal and business credit history

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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.