Business mortgage — capital for your business against your home or property
A business mortgage is how business owners raise capital: you mortgage your private home or an existing property and receive a significant sum on mortgage-like terms — to invest in the business, for working capital, or to buy additional properties. I check with you whether this route fits, what the real cost is, and what the bank will examine in the business.
The difference from a self-employed mortgage is the purpose: a self-employed mortgage is about proving income; a business mortgage is about raising capital. You own a property — your home or another asset — and want to use it as security to fund the business: equipment, a partnership, another property, or replacing expensive business credit.
From the bank's side this is a double review: you and the business. The bank will want to understand what the money is for, how the repayment is covered even in a weak month for the business, and the state of the company — financial statements, business account activity, existing liabilities and guarantees. The clearer the purpose and the tidier the documents, the faster the review.
The part that must be said openly: your home is the security. If the business hits a hard period and the repayment depends on it, the risk reaches the house. So before applying, three things are checked — how much equity the property holds, whether the repayment holds in a conservative scenario, and whether a cheaper or safer route exists, such as a regular business loan or extending the current mortgage.
I work for you, not for the banks. We review the file with banks and financing institutions that understand business structures, compare the real cost over time, and build a structure that does not clash with your existing mortgage. If the honest answer is that the risk is too high, I will say so.