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Business mortgage request?

application through us?

To buy, build, expand, remodel or even refinance

Buying or expanding your business location is a smart way to create stability and increase your capital. Every renovation or extension adds value to your property and gives you the space you need to streamline your business activities.

A business mortgage offers you the opportunity to do so. A smart purchase can create a stable basis for Your business, and also yield tax benefits.

Business mortgages made simple

A business mortgage is by nature a fairly complex product. After all, every company is unique. In corporate banking, we understand that. That is why we have worked hard to make commercial mortgages transparent and simple.

Calculate your monthly costs

How big will Your monthly repayment obligation become? Calculate your business mortgage yourself.

Interest rates compare

What interest can you expect on Your business mortgage? Compare and get an indication.

Maximum loan amount

Would you like to know how much you can borrow for the business premises that you have in mind? Check it out here.

What can you take out a business mortgage for?

You can use a business mortgage to purchase commercial real estate - be it office space, a factory hall, shop or restaurant space. The possibilities are extensive - you call it a business space, we call it financeable .

Do you want to expand? You can also use a business mortgage for a renovation.

Advantages of a business mortgage

How much can I borrow?

Depending on the financial health of your business, you can typically borrow 70-80% of the property's value.

The loan amount also depends on the financial health of your company. In this article you can read how you can calculate the maximum loan amount yourself.

Loan to Value (LTV)

How much you can borrow depends on the value of the property. Usually this is 70-80% of the appraisal value. We call that percentage loan-to-value . The higher the loan-to-value ratio, the less own contribution is required.

Depending on your situation, it may be interesting to borrow as much as possible, so that you have sufficient working capital available for a growth period or other investments in the near future.

If you have no other destination for your free cash, then a low LTV can be interesting where you bring in as much of your own money as possible. This way you keep down interest costs and maximize the operating result.

What does a business mortgage cost?

1. Interest charges

A business mortgage is possible from 2.7% interest, which makes this loan form extremely cost-efficient. In addition, the interest costs you incur are deductible.

Large commercial real estate (€ 1.5 million) can usually be financed at 3% interest. An interest rate of 3.5% - 6.5% is customary for SMEs.

usual interest business mortgage
for SME entrepreneurs.
6%
Transfer tax
1%
Exit
cost
€ 750
Property appraisal
€ 1,000
Notary
cost

2. Take out extra costs with a business mortgage

With a business mortgage, you generally incur the same costs as with a mortgage for your home. The appraisal, notary fees and advice and closing costs are almost the same, regardless of whether you take out a mortgage for business or private purposes.

The only difference is the transfer tax. This is 6% for commercial real estate, while the transfer tax for residential houses is 2%.

3. Annual recurring costs

The business mortgage usually does not entail annually recurring costs. But owning a business property does. You will include dealing with property tax ( property tax ), building insurance and maintenance. Take these costs into account before taking out a business mortgage.

Are you buying a business property with a value of less than € 230,000? Then the property may be eligible for the small-scale investment allowance (KIA).

What is the term of a business mortgage?

You choose a term of 1 to 20 years if you use the business mortgage to purchase new business premises. In some cases, a term of 25 years is possible. For a renovation, lenders use a maximum term of 10 years.

Maximum duration of purchase of commercial property
20 years
Maximum duration of the renovation
10 years

If you want to finance a business property through commercial banking, we compare the options of 81 providers, weighing the benefits and costs against each other. This way we can always guarantee you the lowest interest and the best conditions.

Your business mortgage is waiting for you

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