Customers in the market for commercial property often get in touch to ask us about the maximum loan to value (LTV) ratio on\u00a0<a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/">commercial mortgages<\/a>.\r\n\r\nMany have asked us about the typical cap lenders usually impose, while others have wanted to know whether it\u2019s possible to get a 100 percent business mortgage in the UK and how to go about it.\r\n\r\nFortunately, we work with advisors who are experts and can offer you the right advice when it comes to commercial mortgages.\r\n\r\nOur guide to 100 percent commercial mortgages aims to answer your questions and many more.\r\n\r\nYou\u2019ll find the following topics covered in depth below\u2026\r\n<ul>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/100-commercial-mortgages\/#can-you-get">Can you get a 100% commercial mortgage in the UK?<\/a><\/li>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/100-commercial-mortgages\/#how-to-get">How to get a 100% commercial mortgage<\/a>\r\n<ul>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/100-commercial-mortgages\/#commercial-mortgage-eligibility">Commercial mortgage eligibility criteria<\/a><\/li>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/100-commercial-mortgages\/#how-to-apply">How to apply for a 100% LTV commercial mortgage<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/100-commercial-mortgages\/#90-ltv">Can I get a 90% LTV commercial mortgage?<\/a><\/li>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/100-commercial-mortgages\/#80-ltv">Can I get an 80% LTV commercial mortgage?<\/a><\/li>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/100-commercial-mortgages\/#no-deposit">Can I get a commercial mortgage with no deposit?<\/a><\/li>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/100-commercial-mortgages\/#speak-to-expert">Speak to a commercial mortgages expert<\/a><\/li>\r\n<\/ul>\r\n[feefo-banner]\r\n<h2 id="can-you-get">Can I get a commercial mortgage with 100% LTV?<\/h2>\r\nCommercial mortgages are usually offered with a maximum loan to value ratio (LTV)of 70-80% for an owner-occupied mortgage or 75% for commercial investment, which means you would normally need a\u00a0<a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/commercial-mortgage-deposit\/">deposit<\/a>\u00a0of between 20% and 40%, depending on the level of risk.\r\n\r\nHowever, there are circumstances where commercial lenders are happy to <a href="#how-to-get">offer 100% LTV commercial mortgage financing<\/a>. This usually involves the borrower putting up extra security and the lender claiming a first on it. Read on to find out more...\r\n<h2 id="how-to-get">How to get a business mortgage with 100% LTV<\/h2>\r\nA 100% business mortgage is basically a secured loan for the total value of the property you\u2019re buying, so no deposit is required.\r\n\r\nAs for how you\u2019d go about getting one, most lenders will only offer a commercial mortgage with a high loan to value ratio (LTV) - i.e. over 80% - on the condition that the borrower puts up extra security to safeguard the loan.\r\n\r\nThis would usually be at least one property or a valuable asset(s) that you or your business owns and holds sufficient equity in. If you default on your commercial mortgage payments, there is a possibility that the security could be repossessed to settle the debt.\r\n<h3 id="commercial-mortgage-eligibility">What is the eligibility criteria for a 100% LTV commercial property mortgage?<\/h3>\r\nBesides the need for extra security, the eligibility requirements for a 100% LTV commercial property mortgage are the same as any other business mortgage.\r\n\r\nAlthough commercial mortgages are always assessed on a bespoke, case-by-case basis, lenders usually reserve their most favourable rates for borrowers who meet the following criteria\u2026\r\n<ul>\r\n \t<li><strong>Profitability:\u00a0<\/strong>Commercial lenders often calculate whether a mortgage is affordable based on an assessment of the business\u2019s earnings before interest, tax, depreciation and amortisation (EBITDA). There\u2019s no set rule on how much they will lend based on these figures, but the more confident they are in the firm\u2019s profitability, the better.<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li><strong>Credit rating:\u00a0<\/strong>Some commercial lenders prefer to deal with businesses and individuals with clean credit, as this usually means the deal will be lower risk. However, there are specialist providers who take a flexible view on\u00a0<a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/bad-credit-commercial-mortgage\/">bad credit<\/a>\u00a0and they might take the age and severity of the adverse into account. There are also ways to offset the risk bad credit causes, such as putting up extra security.<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li><strong>Trading history:\u00a0<\/strong>A strong track record in the industry you\u2019re investing in will usually boost your chances of securing a commercial mortgage. There are lenders who insist on prior experience, especially for higher risk fields like retail. However, it may be possible to find a specialist provider that caters for first-time investors and start-ups.<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li><strong>The viability of the investment:\u00a0<\/strong>Commercial lenders will only offer a mortgage if they feel the investment is viable, and they will assess this based on many of the factors we\u2019ve already discussed, such as the applicant\u2019s trading history and profitability. Some providers will expect you to present a strong business plan to evidence viability, and if it\u2019s a commercial investment mortgage, most providers will base their lending decision on the projected rental coverage.<\/li>\r\n<\/ul>\r\n<h3 id="how-to-apply">How do I apply for a business mortgage with 100% LTV?<\/h3>\r\nThe best way to apply for a commercial mortgage with a loan to value (LTV) ratio of 100% is through one of the whole-of-market brokers we work with. That way, you can rest assured you will end up with the best rates you qualify for.\r\n\r\nThey can offer bespoke advice on commercial mortgages and search the entire market for the lender best positioned to offer favourable rates on a 100% LTV deal to a borrower with your needs and circumstances.\r\n\r\nYou can\u00a0<a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/match-me-with-a-commercial-mortgage-specialist\/">make an enquiry<\/a>\u00a0to speak with one of them today and kickstart your application.\r\n<h2 id="90-ltv">Can I get a 90% LTV commercial mortgage?<\/h2>\r\nThis might be possible, but you would need at least a 10% deposit\u00a0<strong>and\u00a0<\/strong>additional security to convince the lender to go above their usual commercial mortgage LTV ratios.\r\n\r\nSome lenders may consider this higher risk even with security in place, so it\u2019s vital to seek advice from one of the whole-of-market <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/commercial-mortgage-broker\/">commercial mortgage brokers<\/a> we work with to ensure you\u2019re matched with the right provider.\r\n<h2 id="80-ltv">Can I get a business mortgage with 80% LTV?<\/h2>\r\nIf the mortgage is an owner-occupied deal, it may be possible to get an 80% loan to value (LTV) ratio with a 20% deposit and no extra security, as some commercial providers will lend under these terms, assuming you meet all (or at least most) of their other requirements.\r\n\r\nIt would be more difficult to get a commercial investment mortgage with 80% LTV as most lenders draw the line at 75% for these deals, but with additional security and a specialist provider, it is theoretically possible.\r\n\r\nA commercial mortgage with 85% LTV or higher, whether owner-occupied or investment, would usually require the additional security of some form.\r\n<h2 id="no-deposit">Can I get a business mortgage with no deposit?<\/h2>\r\nAs we\u2019ve discussed throughout this article, it is possible to get a commercial mortgage with no deposit if you have additional security to put up, such as a property or business asset you own and hold sufficient equity in. See the section on\u00a0<a href="https:\/\/www.onlinemortgageadvisor.co.uk\/commercial-mortgages\/100-commercial-mortgages\/#can-you-get">100% LTV commercial mortgages<\/a>\u00a0at the top of the article for more information.\r\n\r\nCommercial mortgage LTV rates are usually capped at 70-80% for owner-occupied and 75% for commercial investment, but it may be possible to get 80% plus by putting down some deposit as well as additional security.\r\n<h2 id="speak-to-expert">Speak to an expert on commercial mortgage loan to value ratios<\/h2>\r\nIf you have questions and want to speak to an expert for the right advice, call Online Mortgage Advisor today on\u00a00808 189 2301\u00a0or make an enquiry\u00a0<a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/match-me-with-a-commercial-mortgage-specialist\/">here<\/a>.\r\n\r\nThen sit back and let us do all the hard work in finding the broker with the right expertise for your circumstances. We don\u2019t charge a fee and there\u2019s absolutely no obligation or marks on your credit rating.