For owner-occupiers, commercial or Buy To Let landlords, mortgages can be raised against all types of property. The criteria and how the lender assesses affordability can vary depending upon whether the property is occupied by your business, or whether someone pays you rent. There can also be minimum income requirements if you are a first time landlord.

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Essentially though the business needs to be able to afford the repayments from profits after dividends / your own drawings / day to day living expenses, or the rent needs to be high enough to provide a buffer when a higher “stressed” interest rate is applied.

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There are variable rate and fixed rate repayment options, and interest only can be considered depending upon the type of property and lender.