Commercial Mortgages

For your commercial needs; we’ve got you covered.

What Is a Commercial Mortgage?

A commercial mortgage is a type of loan secured against commercial property, used by business owners, investors, and developers to purchase or refinance properties that generate income. Whether you're buying an office building, retail unit, warehouse, or mixed-use development, commercial mortgages offer long-term, cost-effective finance tailored to business needs.

The loan is secured against the property, and terms are usually based on the strength of the business, rental income, or the borrower's financial profile.

There are two main types:

  • Owner-occupied commercial mortgages – for businesses buying premises to trade from.

  • Commercial investment mortgages – for investors purchasing property to rent out to tenants.

Common Uses of Commercial Mortgages

Commercial mortgages can be used for:

  • Buying offices, shops, warehouses, or industrial units

  • Expanding business premises

  • Purchasing property for rental income

  • Refinancing existing commercial loans

  • Acquiring mixed-use or semi-commercial properties

  • Raising capital against existing commercial property

Typical Terms & Key Features

Loan amounts: From £50,000 to £25 million+

  • Loan-to-value (LTV): Up to 75% of the property value

  • Term length: Typically 3 to 25 years

  • Interest rates: Fixed or variable, based on borrower risk and property type

  • Repayment options: Capital & interest or interest-only

Lenders assess a wide range of factors including property type, business performance, lease agreements (for investment properties), and exit strategies.

Who Can Apply for a Commercial Mortgage?

Commercial mortgages are available to:

  • Limited companies

  • Sole traders and partnerships

  • Investors and property developers

  • Expanding businesses looking to purchase or refinance premises

Even if your business has limited trading history or you're self-employed, there are specialist lenders who can help structure a suitable deal.

Benefits of a Commercial Mortgage

Lower interest rates than short-term finance options

  1. Long-term stability with fixed or flexible repayment terms

  2. Equity growth as your property value appreciates

  3. Increased borrowing power through asset-backed lending

  4. Rental income potential (for investment properties)

Looking for the Right Commercial Mortgage?

Whether you're expanding your business, investing in property, or refinancing existing debt, we help you find the most competitive commercial mortgage options on the market. With access to a wide panel of specialist lenders, we tailor solutions that fit your business goals.

Contact us today for a free, no-obligation consultation.