What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

Commercial Mortgages in sidcup

Name: Mortgage Services Sidcup
Address: 94B Station Rd, Sidcup, Greater London, DA15 7DU, GB
Telephone: 0203 656 5182
Price range: ££

🏢 Commercial Mortgages in Sidcup

💼 Finance for Business Premises, Buy-to-Let Portfolios and Mixed-Use Property

Looking to purchase or refinance commercial property in Sidcup? Whether you’re buying a retail unit, financing a development, or moving your business into new premises, we help explore commercial mortgage options that suit your goals.

We support business owners, developers and investors with tailored solutions for a wide range of commercial property scenarios — including semi-commercial, buy-to-let portfolios and trading premises.

🤝 What We Help With

🏬 Retail, office and industrial unit mortgages
🏠🏢 Mixed-use and semi-commercial properties
📈 Commercial investment purchases
💰 SIPP and SSAS property acquisition support

👥 Who Uses Commercial Mortgages?

👩‍💼 Business owners looking to purchase their own premises
📊 Investors buying properties to lease commercially
🔨 Developers financing refurbishments or conversions

❓ Commercial Mortgage FAQs

💸 How much can I borrow?

It varies based on rental income, business accounts, or projected yield. Loans typically range from £50,000 to £5 million or more.

📜 Do I need a trading history?

Most lenders prefer 2+ years of business accounts, but some may consider less if other strengths are present. We’ll help review your options.

🏦 What’s the typical deposit?

Generally 25–30% depending on the property type, loan purpose and your profile.

📞 Ready to Finance Your Next Property?

We assist clients across Sidcup and surrounding areas with commercial mortgage options. Whether it’s an office, shop, or investment block, we’ll help you take the next step.

📩 Get in Touch

🧮 Mortgage Calculator for Sidcup Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today -0203 656 5182

Please feel free to complete our form and one of our friendly team will happily contact you.