david.penny@pfcmortgages.com      07976 397725



We are able to arrange commercial mortgages and commercial remortgages with a loan-to-value (LTV) ratio of up to 80% with no additional security requirements – competitive rates start at 3% above the base interest rate. If an additional asset security is offered up we are able to arrange up to 100% of the value or purchase price, for example, by securing it on a home or other investment property – we can arrange loans of up to 100%.

Examples of properties appropriate for a commercial mortgage:

  • Freehold public houses & restaurants
  • Offices, factories, warehouses & industrial units
  • Convenience stores and retail units
  • HMO (Houses in Multiple Occupancy)
  • Nursing & Care homes mortgages
  • Specialist buy to lets for flats under one freehold title
  • Owner occupation commercial mortgages
  • Commercial mortgages for investment purposes
  • Land


As a general guide, we are able to provide commercial funding for up to 75% of the value of the building assuming that trading business is able to provide 3 years profitable accounts.

Requirements to obtain an AIP are as follows:

  • PFC Application form
  • Proof of identity
  • 3 years trading accounts
  • 6 months personal bank statements
  • 6 months business bank statements
  • Business plan and or your personal CV to demonstrate sector experience (if purchasing a new business)

  • This site is intended for use by regulated intermediaries only. Company Registration Number: 4057577

      PFC Mortgages

    Printware Court
    Cumberland Business Centre Northumberland Road Portsmouth Hampshire PO5 1DS

    Tel : 07976 397725
    Mail : david.penny@pfcmortgages.com