Clubman, No, commercial loans are fundamentally different from Buy to let, or that style of thing.
Commerical loan rates are generally quoted as a margin over EURIBOR, as opposed to ECB rate. Typically, a commercial loan might be quoted at a margin of 1.5% plus EURIBOR. The commercial rate is normally slightly higher than ECB, but not much. A typical commerical rate today might be in the region of 3.5% (very broadly speaking) This is obviously more expensive than morgtage rates for your typical home loan, but a home loan doesnt have a fraction of the flexibility of a commercial loan. You pay for flexibility. For example I have sourced funds for clients on a commerical basis, which included an interest roll up. (This is where for a time period no payments at all have to be made).
Generally commercial loans dont need life assurance, or various other bits.
You dont need to ser up a company - many people have both businesse s (property investment) whilst also have a PAYE job.
Any other specific queries guys?