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Commercial & Residential Mortgages

We’re committed to helping our customers find the right mortgage for them. Our mortgage partner assesses our customers’ individual requirements and objectives before advising on a number of options that would best suit them.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Commercial mortgages

A commercial mortgage is any loan secured on property which is not your residence. Buy to let mortgages are a special type of high volume commercial mortgage which is packaged for a volume market. But since almost every other kind of premises are different, each loan has to be assessed individually and priced according to the risk.

Commercial mortgages generally take over where business loans finish. Business loans up to £25,000 are unsecured, but for larger amounts lenders need security in order to reduce the risk to themselves. Because of the legal and administrative costs of taking security on commercial property it is considered uneconomic to borrow under £50,000 this way, and some lenders have a minimum of £75,000 or more.

Commercial mortgages are typically from 3 to 25 years. Shorter term finance is also available and this may be called a bridging loan or property development loan, which you may have from a few weeks up to 24 months.

Because commercial mortgages are highly complex, our commercial mortgage advisors are on hand to give you advice and support, specific to your requirements.

Residential mortgages

Taking out a mortgage is a big financial commitment so it’s important to know what you’re doing and how mortgages work. You must also be sure that you can afford the repayments.
As the loan is ’secured’ against the property, if you fail to keep up the repayments on the mortgage the lender could take back your home and sell it to repay what you owe. Most mortgages run for 25 years but the term can be shorter or longer.

You can get a mortgage from a bank, building society or a specialist mortgage lender. Before they agree to lend, they will check thoroughly that you can afford the monthly mortgage payments and that the property is worth the amount you want to borrow. Almost all mortgage products require you to put down some money of your own – called a deposit. The mortgage that makes up the difference is expressed as the percentage ‘loan-to-value’ or LTV and is expressed as a percentage of the value of the property.

At DPT Financial, we work with lenders to source mortgages for a wide range of requirements and our residential mortgage advisors have helped many of our customers find the right mortgage for them.


Please note that we do not directly advise on this subject – business in this field is referred to our trusted supplier(s).


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