Location: Ensure the property suits your business or intended tenants, considering accessibility, foot traffic, and transport links.

Property Type:

• Retail: High foot traffic, parking, and transport links are crucial.

• Office: Should be near transport links and in a populated area.

• Industrial: Requires easy access for goods vehicles, often in out-of-town locations.

Investment Term: Commercial mortgages range from 5 to 25 years, with longer terms incurring higher overall costs.

✔️Mortgage interest is tax-deductible.

✔️Potential capital growth if property value increases.

✔️Longer lease terms (typically 5+ years) provide stable income.

✔️Owner-occupiers avoid rent increases and have greater control over the premises.

❌Higher upfront costs and deposit requirements (typically 25-40%).

❌Lenders view commercial properties as higher risk.

❌The buying process is lengthier than residential transactions.

Most commercial property transactions are VAT-exempt, but exceptions apply, such as properties under three years old or those where the seller has opted to tax. Always check VAT implications and seek professional tax advice.

Yes, pensions can be used to invest in commercial property, offering potential tax benefits. Seek guidance from a tax professional before proceeding.