Your 21 point check list to buying your Pharmacy Freehold

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Funding options


Commercial Mortgages

  • From 2% above base rate
  • Up to 25 years terms
  • Interest only or capital repayment
  • Fixed and Floating Rates available

Refurbishment / Development Loans

  • Refurbish premises at the same time
  • Development finance to expand
  • Business Loans up to 10 years
  • Unsecured business lending from 3.2%

Dealing with the Seller

  • Negotiating with sellers can be tough
  • Referrals to specialist solicitors
  • Buy premises or existing business
  • Affordability Sense Checks

Talk to Rangewell – the Pharmacy Freehold Experts

At Rangewell, we can use our contacts across the entire UK lending industry to help you save when you buy your premises

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

Call us020 4525 5312
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Buying your pharmacy premises could be the next step for your business. Rangewell's experts can help find the funding solutions you need.

Table of Contents

Premises are a major cost for your pharmacy business. A chemist shop must have a position on a busy high street to bring in business. 

Being close to a doctor's surgery may be good for the dispensing side of your business, but to make the most of the potential of the retail side, you need display space and storage. You might want to set up a consulting room.

it all adds up to substantial rental costs to be paid each month.

The best way to reduce those costs could be to buy your premises from your existing landlord. Buying in a new high street location or simply acquiring the freehold of premises that you are currently renting, could actually reduce your monthly outgoings and provide your business with a valuable asset for the future.

Of course, a good location with plenty of passing custom will be expensive - but at Rangewell, we can help you find the solutions you need.

Buy your chemist shop with a Commercial Mortgage

A commercial mortgage could be the simplest way to buy your chemist shop. Like a residential mortgage, a Commercial Mortgage is simply a long-term loan secured on the property itself. There is no set upper borrowing limit, and you can have 20 years or more to repay.

All Commercial Property Finance is arranged on an individual basis, with the performance and prospects of your pharmacy practice key to securing the most attractive rates. Rates and terms will be agreed based on your particular circumstances, and so getting expert help is essential to ensure you have the most competitive deal.

In some cases, you may be able to use a commercial mortgage to buy an existing pharmacy business - including goodwill and stock as well as property - as a going concern.

Business Loans for your chemist shop business

Secured Lending is another solution to provide a high level of funding, with rates that can be as low as 2% above base rate, and ten or more years to repay.

Secured lending could provide sufficient funds to buy smaller properties, and might be quicker to arrange than a commercial mortgage.. 

Unsecured Business Loans are a straightforward borrowing solution which can be used in any way you wish. They are suitable for smaller sums, and repaid in monthly or quarterly instalments over an agreed term under 5 years.  

An Unsecured Loan could be a simple way to deal with incidental costs which can be inevitable when buying property. Call us to discuss your borrowing needs, and whether an unsecured loan can provide the answer for them.

‘Jigsaw’ Finance

A single funding solution may not fit your property purchase plans. We can provide Jigsaw Funding - bespoke funding made up various types of business finance for each purpose. So your pharmacy practice might call on a Jigsaw with a  business loan to provide a deposit to support a Commercial Mortgage, keeping overall costs down.

Finance designed for pharmacy practices

As a pharmacist with an established retail chemist business, it may be possible to get 100% finance for your property purchase - but not all lenders will be offering the most competitive solutions.

At Rangewell, we will work with you to understand your business plans and use our expertise to help find the funding that is right for your pharmacy business.

To find out more about setting up the finance you need to buy premises for your pharmacy simply call us. Our experts are ready to help.


  • Help arrange 100% property purchase funding

  • Find a lender to provide the most competitive rate

  • Help arrange funding to buy and equip a pharmacy serving a new mall

  • Find the most effective financial solutions for a partnership

Last update: 21 November 2022

Need finance in a hurry?

Contact our team today to find out your options

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