Question 1

Will my personal income matter?

Accepted Answer

For investment lending, mainly only to support PGs and stress-tests. For owner-occupied, the trading business's performance dominates.

Question 2

Do you arrange commercial in Lisburn?

Accepted Answer

Yes — Lisburn (8 miles from Belfast) sits inside our normal coverage, as does the broader County Antrim market.

Question 3

Will the bank value the property low?

Accepted Answer

Downvaluations happen. We pre-screen with lenders likely to instruct local County Antrim valuers familiar with Belfast comparables to reduce that risk.

Question 4

What if my deal sits below £150k?

Accepted Answer

Some lenders go lower, but pricing is rarely attractive. We'll be honest if your deal is too small for sensible commercial lending and suggest alternatives.

Question 5

How much can I borrow on a Belfast commercial mortgage?

Accepted Answer

Typically 65–75% LTV for investment, often higher for owner-occupied. Loan size from around £150k upwards across County Antrim.

Question 6

What about mixed-use property in Belfast?

Accepted Answer

Mixed-use (shop with flats, office with residential) is regularly funded across Belfast. Some lenders treat it as semi-commercial with friendlier pricing than pure commercial.

Commercial Loans across the UK

Commercial Loans by town