Commercial Mortgages
Business property and commercial finance
Securing commercial property finance requires specialist knowledge and access to the right lenders. We provide expert commercial mortgage advice to businesses and investors across the UK, helping you acquire premises, expand operations, or invest in commercial property.
What Is a Commercial Mortgage?
A commercial mortgage is a loan secured against business premises or investment property used for commercial purposes. These mortgages can be used to purchase offices, retail units, warehouses, industrial premises, or mixed-use buildings. Terms and structures differ significantly from residential mortgages.
Commercial lending involves more flexible criteria and bespoke underwriting than residential mortgages. We have the specialist knowledge and lender relationships to navigate this market effectively, whether you're a business owner buying operational premises or an investor building a commercial property portfolio.
Is Commercial Finance Right For You?
- Business owners purchasing operational premises
- Companies transitioning from leasing to ownership
- Property investors acquiring commercial investments
- Developers requiring commercial project finance
- Businesses refinancing existing commercial loans
- Investors purchasing mixed-use properties
How We Help You
Our expert advisers bring specialist knowledge and whole-of-market access to find the best solution for your needs.
Specialist Market Knowledge
The commercial mortgage market operates differently to residential lending, with more flexible criteria and bespoke underwriting. We know how to present your case effectively.
Extensive Lender Network
Access to high street banks, specialist commercial lenders, and private finance providers allows us to find solutions for diverse requirements.
Tailored Solutions
Whether you need owner-occupied finance, investment property loans, or development funding, we create customised approaches for your situation.
Business Finance Integration
We coordinate with your accountants and solicitors to align property finance with your broader business objectives and tax planning.
Complex Case Experience
From limited trading history to unusual property types and multiple security requirements, we have experience handling diverse scenarios.
Competitive Terms
Our market access and lender relationships help us negotiate competitive interest rates and favourable terms on your behalf.
How It Works
We make the process simple and straightforward, guiding you every step of the way.
Business Review
We understand your business, the property, and how the finance fits your commercial objectives.
Lender Selection
We identify the most suitable lenders based on your business profile and property type.
Case Presentation
We package your application professionally, highlighting strengths and addressing potential concerns.
Completion
We manage the process through to completion, coordinating with all professional parties.
Common Questions
What deposit do I need for a commercial mortgage?
Commercial mortgages typically require 25-40% deposit, depending on the property type, business strength, and intended use. Strong trading businesses with experienced operators may access lower deposit options.
How is commercial mortgage affordability assessed?
Lenders look at business accounts, rental income (for investment properties), cash flow projections, and the overall strength of your business. Personal income and assets may also be considered, especially for smaller businesses.
What types of commercial property can be financed?
We arrange finance for offices, retail units, industrial premises, warehouses, pubs and restaurants, care homes, hotels, mixed-use buildings, and development projects. Each property type has specialists lenders we can approach.
Should I buy my business premises or continue renting?
This depends on your business plans, available capital, and property market conditions. Buying can provide stability and build equity, but ties up capital. We can help you analyse the financial implications of each option.
What about refinancing existing commercial property?
Yes, we help businesses refinance to secure better rates, release equity for growth, or restructure existing debt. We'll compare your current terms against market options to see if refinancing makes sense.
Ready to Find Your Perfect Mortgage?
Whether you're a first-time buyer, looking to remortgage, or investing in property, our expert advisers are here to help. Get personalised advice tailored to your circumstances.