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Commercial Mortgages for Restaurants

Even in the most testing economic conditions, consumer spending in restaurants has grown every year since 1980, making the restaurant sector a sound option for investment.

Vigorous merger and acquistion activity in the market, dynamic expansion by chains and the proliferation of start-ups and street-food operations make restaurants a very attractive proposition for lenders.
However, the enormous variety of dining options means that attracting and retaining customers is key. Diners demand quality, but they also look for diversity and value, so there are opportunities for every type of restaurant business to succeed.
Whether you intend to purchase a restaurant, or expand an established offering, Christie Finance will help you get the funding you need.
As an independent broker, Christie Finance is not tied to any particular lender. We have established and trust-based relationships with the leading lending institutions. We know which ones are financing the restaurants sector, and whom to approach to get the best deal for you.

Restaurant loan features

The terms of a commercial loan against a restaurant will vary considerably from lender to lender but, as a general rule, the following may apply:

65% - 100%
loan to business value ratio
year mortgage term
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The Christie Finance Team

At Christie Finance we understand that opening your own restaurant, or expanding a culinary empire, is a dream for many. While the business model for running a restaurant can be relatively straightforward, there are particular issues to be aware of, such as the level of competition in the sector. Rest assured that our experienced Consultants will be with you all the way – guiding you through the finance options and mortgage application process, from your initial enquiry to completion. But we dont leave it there: We are always available to discuss and review your commercial mortgage to ensure it is as competitive as possible.

Key considerations
When you are thinking about buying a business there are various things that both you and a potential lender will need to consider:

  • Experience – do you have the right level of experience to run the business? How will you run it?

  • Performance – how well is the business doing? Is it in a good location? Is there enough profit in the business to be able to repay a loan easily and allow you to take enough out of the business for yourself?

  • Contribution – what are you able to invest in the business (savings, other properties, etc.)?

  • Personal history – do you have a clear credit history?

Christie & Co have over 148 independent restaurants currently for sale, with new businesses added regulary.

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Factors Affecting Your Loan Application

There are a number of factors which can help to make your restaurant application more attractive to a lender:

  • A deposit of 30% or more
  • Additional security
  • Business plan
  • Proof of experience
  • Good credit history
  • Two years' trading accounts and income projections
  • Strong proposal from Christie Finance

Our commercial mortgage services

We’ve been helping first-time buyers and existing business owners secure funding for over 35 years.

What makes Christie Finance different?


National coverage across the UK

Project management

From intial enquiry to completion - saving your precious time and money

Quick responses

Rapid business and commercial mortgage decisions

Relationship - C&Co

Our brokers can access the best new businesses for sale

Specialist knowledge

Over 40 years experience in our specialist sectors

Tailored loan options

Fixed and discounted rate available

The 'Christie' name

Adds credibility to the proposal - buying you a better deal

We are independent

We have no tie to any one lender

Find out more about commercial mortgages