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 Canterbury

🏢 Commercial Mortgages in Canterbury

Financing for Shops, Offices and Mixed-Use Properties

If you’re looking to acquire or refinance commercial property in Canterbury—whether a shop near the city centre, offices around St Dunstan’s, or a mixed-use investment—we help you navigate your options and connect you with FCA-authorised advisers for tailored advice.

👥 Who Can Benefit

👨‍💼 Business owners purchasing premises to occupy
🏘️ Property investors in commercial or mixed-use assets
🛠️ Developers undertaking refurbishment or conversion projects

🏗️ Suitable Property Types

🛍️ Retail units and storefronts
🏢 Office or workshop spaces
🏘️ Mixed-use buildings (commercial with dwellings above)
💼 Pensions (SIPP/SSAS) property cases

📊 Typical Criteria

Borrowing amounts can range from £50k to several million, based on projected income or business accounts. Deposits typically sit around 25–30%, and while lenders often favor two years’ trading history, good projections can open doors.

❓ FAQs

💰 What’s the usual loan size?

Ranges widely—from £50,000 to multiple millions depending on asset type and cash flow.

🏦 What deposit is required?

25–30% standard; varies by lender and asset profile.

📑 Do I need a trading history?

Preferable but not universally required—structured plans can be accepted.

🚀 Next Steps

Let us know your commercial property plans in Canterbury—we’ll present options and put you in touch with a suitable FCA-authorised adviser.

🧮 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.

Thank you James for your efficient dealing of our remortgage. The regular communication and easy to follow steps of what you needed or what was outstanding, really helped me, as I had 4 mortgages happening at the same time.

Phil West

James worked tirelessly to get us over the line with a complicated commercial BTL mortgage. Highly recommend.

Paul H

They worked on a recent mortgage for my company and we were very pleased with the result. They managed to jump through a number of hoops caused by our slightly unconventional deal and pulled together a solution better than our expectations. Will be using again!

Luke Silk

Excellent experience when financing a buy to let auction property through James and the team were excellent to deal with and guided us through the whole process with no stress what so ever! Beths knowledge and professionalism is second to none!

Cath Jones

Mortgage Broker Canterbury is an introducer service. We are not authorised or regulated by the Financial Conduct Authority and do not provide mortgage advice directly. All enquiries are handled by qualified, FCA-regulated mortgage advisers who offer tailored advice based on your individual needs.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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NEXGEN Financial Services Limited (Company registration number: TBC)

Mortgage Broker Canterbury