This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

Buy To Let Mortgage Hotline - Call 0117 403 4222

1.75% 2 Year Fixed

  • Overall cost for comparison 4.3% APRC

Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to Post Office variable rate of 4.74%.

Call Post Office FREE on 0808 178 6813

2.68% 5 Year Fixed

  • Overall cost for comparison 4.0% APRC

Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to Post Office variable rate of 4.74%.

Call Post Office FREE on 0808 178 6813

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.43%
Rate type: Fixed Sep-2019
Monthly cost: £486.64 per month
Max LTV: 60%
Product fee: £1720.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.43% Fixed Sep-2019 4.2% APRC 60% £1720.00 £486.64 per month get quotes Call direct0808 178 6813
Initial rate: 1.43%
Rate type: Fixed Sep-2019
Monthly cost: £486.64 per month
Max LTV: 60%
Product fee: £1720.00
Overall cost for comparison: 4.2% APRC
Post Office logo 1.43% Fixed Sep-2019 4.2% APRC 60% £1720.00 £486.64 per month get quotes Call direct0808 178 6813
Initial rate: 1.78%
Rate type: Fixed Aug-2019
Monthly cost: £500.61 per month
Max LTV: 60%
Product fee: £1490.00
Overall cost for comparison: 4.3% APRC
Post Office logo 1.78% Fixed Aug-2019 4.3% APRC 60% £1490.00 £500.61 per month get quotes Call direct0808 178 6813
Initial rate: 1.78%
Rate type: Fixed Aug-2019
Monthly cost: £500.61 per month
Max LTV: 60%
Product fee: £1490.00
Overall cost for comparison: 4.3% APRC
Post Office logo 1.78% Fixed Aug-2019 4.3% APRC 60% £1490.00 £500.61 per month get quotes Call direct0808 178 6813
Initial rate: 1.82%
Rate type: Fixed Nov-2019
Monthly cost: £507.48 per month
Max LTV: 60%
Product fee: £2273.00
Overall cost for comparison: 4.1% APRC
Royal Bank Of Scotland logo 1.82% Fixed Nov-2019 4.1% APRC 60% £2273.00 £507.48 per month get quotes Call direct0800 096 7962
12345678910...

Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Buy to Let Mortgages for Flat Above Shop

Our Buy to Let Mortgage Service

Why choose us?

Fair Mortgages can provide you with a first class service if you are looking for buy to let mortgage advice on flats above commercial properties. 

Special features of what we offer include:

  • Whole of market broker - we deal with most UK buy to let lenders
  • Rates - Access to leading buy to let market rates
  • Exclusives - Access to exclusive buy to let mortgage deals not available on high street
  • Our BTL Expertise - Expert help whether you are a first time investor or experienced full time landlord
  • Credit Issues? - We have lenders who will take into account previous defaults and missed payments 
  • Experienced BTL Investor? - Have a complex buy to let or have a portfolio of 5+ properties? - speak to us

To investigate your buy to let mortgage options call our specialist team on 0117  403 4222 or fill in our call back form. 

Buy to let mortgage for flat above shop

Buy to Let Mortgages for Flat Above Shop

Finding a suitable buy to let mortgage deal that suits your property needs can be a demanding process, and it gets no easier when you’re looking for a buy to let mortgage for a flat above a shop. Whilst a quick search for mortgage deals on these properties seems to suggest that flats above commercial premises falls short of mainstream lenders criteria, all hope is not lost if you are an investor in this area.

There are now many specialist lenders who are willing to grant buy to let mortgages for flats above shops and commercial premises ‘although they are only available through independent intermediaries such as us.

What are lenders likely to look at when evaluating my application?

Similar to any buy to let property, both location and property value are likely to be looked at by lenders when deciding whether to offer you a loan. Lenders will want to be assured that your flat is in a popular area for renters to reduce the risk of empty tenancies.

Lenders are also likely to take into account the type of trade that is being carried out in the premises below. Flats above shops with associated smells/chemicals/inflammables etc., are likely to be more difficult to obtain a buy to let mortgage deal for. Despite this, there are still a number of lenders who are willing to offer buy to let mortgage deals to these types of properties, so it is worth gaining advice from an independent financial adviser or mortgage broker to fully analyse your options.

How we can help?

If you’re thinking about purchasing a buy to let mortgage for a flat above a shop, we have a team of specialist buy to let advisors, experienced in finding investors the best deals on their buy to let mortgages available to assist you. In addition to offering you expert advice, we have access to a range of exclusive buy to let mortgage deals not available on the high street.

For any advice on finance for purchasing properties above commercial premises’, please call our buy to let mortgage advisory team on 0117 403 4222 or fill in our form to request a call back.
Buy to let mortgages for flats above shops

house icon

Call or Request Call Back from our Buy to Let Broker Team

Call us for a FREE initial conversation on 0117 403 4222 about your buy to let mortgage options or request a callback.

request call back

Please confirm your details

Extra information

The optional information below will help us to contact you

Buy to Let Mortgages