Securing a Commercial Mortgage to Support Smart Business Growth
The latest industry news and guides from Active Mortgages.
The latest industry news and guides from Active Mortgages.
A business owner came to us looking to buy their own office space instead of continuing to rent. Although the business was profitable, most of their income was tied up in retained profits and dividends. They needed help structuring things in a way that lenders would understand. The goal was to secure a mortgage that supported both the purchase and future business growth.
The client’s income structure didn’t fit typical lending boxes. Many lenders were hesitant due to the retained profits setup and the commercial nature of the property. We had to package the application carefully to reflect the business’s true financial health. The challenge was more about presentation than affordability.
We worked closely with the client and their accountant to present a clear, lender-friendly view of the business. A commercial mortgage with a flexible fixed rate was the best fit. We highlighted sustainable income and future growth, not just salary figures. Our strategy focused on both securing the mortgage and protecting long-term cash flow.
The client described the process as “strategic and stress-free.” They valued our ability to work around their business setup and make the complex feel simple. They felt fully supported, especially when coordinating with their accountant. It didn’t just feel like brokerage – it felt like partnership.
Business owners need tailored mortgage advice – not off-the-shelf solutions. The way you draw income matters, especially when applying for commercial finance. Planning ahead and structuring things right can open better doors. Don’t wait until your lease ends – get advice early.
Book a call with one of our team to talk about your requirements.
