Commercial mortgages for residential and commercial investment property finance.  Buy-to-let mortgages, HMO mortgages, MUB mortgages, commercial and semi-commercial mortgages

Commercial Mortgages

With our extensive experience in raising investment property finance, we are able to offer clients exclusive products that are not available directly.  Our granular approach means we will secure you the keenest funding solution for your circumstances


Commercial Mortgage Funding Solutions

HMO mortgages (both small (<6 people) & large with no maximum)

Multi Unit Block mortgages

Buy To Let mortgages

Residential Investment mortgages (high value low yielding prime assets)

Semi Commercial & Commercial mortgages

Commercial Owner Occupied mortgages

Portfolio mortgages

Interest only available up to 85% LTV for Residential Investment assets

Interest only available up to 75% LTV for Semi Commercial & Commercial assets

100% LTV available with additional security

No maximum loan

Personal, Company, Trust, Off Shore, Domicile and Non Domicile options available

How Montpelier Private Finance Assists Our Clients

Street view of a commercial property

The Complex Made Simple

With so many options on the market securing commercial property finance can be confusing and complicated.  Our job is to make the complex simple for you.  By fully understanding your specific needs we will be able to quickly identify the best package for you.    

Bespoke Solutions

Whether you are looking to purchase an industrial unit for your own business or looking to invest in an HMO project, there is a product to suit you.  Our relationship with specialist lenders means you will gain access to products not available to direct clients.  Bespoke solutions are tailored exactly to your needs.

Shared living space in purpose built student accommodation
Modern commercial interior

An Unrivalled Service

We exist to help you, the client. We work around the clock to secure your commercial property finance.  You will be kept fully informed of progress through to completion, and are always on hand to assist you in any way.  We take the strain of an application so so you can continue to focus on what's important to you.   

Current Products 

Montpelier Private Finance sources funding from, but not limited to, family wealth offices, challenger banks, high street banks, private funds, pension funds and offshore institutions.  Below are just a small selection of the current funding opportunities offered by our lending partners.

Street of HMO properties

Buy-To-Let Finance With No Stress Testing

  • A pay rate from just 3.99% with 1% deferred per annum

  • Rental income to cover 100% of pay rate

  • 5 year term with no ERC's in the final two years

  • Up to 70% LTV (75% LTV without deferred interest)

  • Ideal for prime low yielding assets

  • Loans from £500k - £15m

  • Funding available across England

Refurbished luxury kitchen

Limited Company Buy-To-Let Finance

  • 2 year fixed rates from just 2.85% per annum

  • New enhanced 5 year fixed rates from 3.04% per annum

  • Valuation fees from just £150 on properties valued up to £1m

  • Up to 80% LTV

  • New Special Purpose Vehicles (SPV's) accepted

  • For multi freehold buildings, HMO's up to 6 persons, single dwellings and flats above commercial consumers

Residential investment property

Refurbishment Finance At 75% LTV

  • No interest is retained from the day 1 lend meaning close to 75% net LTV can be delivered

  • Loans from £500k - £15m 

  • A lender that is flexible on experience

  • No Monitoring Surveyor required

  • Also available for bridging and developer exit finance

  • Funding available across England


Case Studies

Residential street of buy-to-let properties

Funding secured across 3 HMO's
68% LTV facility 
Planning permission complexities

Semi-commercial property

70% LTV facility 

Service to debt ratio obstacle overcome

Bespoke pricing achieved for the client

Street view with residential and commercial properties

Portfolio landlord wanted to release equity
Valuation challenge overcome
76% LTV facility

Residential buy to let in London

Want to learn more about commercial mortgages?

If you are new to commercial mortgage finance and want learn more about how to procure finance visit our 'Commercial Mortgages Explained' page.  Areas covered include:

  • The different types of commercial mortgages

  • The costs involved with commercial mortgages

  • The documentation is required when applying for a commercial mortgage

High street shops procured with commercial mortgages

Commercial Mortgages Explained


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