Commercial Mortgages

We arrange commercial mortgages for investment purposes and owner-occupied properties through our wide panel of lenders

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What is a Commercial Mortgage?

A commercial mortgage is a loan secured against a property used for business or investment purposes. This can include offices, retail units, warehouses, mixed-use properties, HMOs, and other commercial or semi-commercial assets.

Commercial mortgages are commonly used by business owners purchasing premises for their own occupation, as well as investors looking to acquire or refinance income producing property.

Funding can be arranged for purchases, refinancing, and portfolio expansion through a range of high street banks, specialist lenders, and private institutions.

Typical Uses

  • Property purchase - Acquiring commercial premises for investment or owner-occupied use.

  • Refinancing existing debt - Remortgaging commercial property to secure improved terms or release equity.

  • Portfolio expansion - Financing additional properties to expand your portfolio.

  • Capital raising - Accessing additional funding for business use or investment.

Key Features

  • Loan Terms - typically between 1 and 30 years, providing a long-term finance solution.

  • Loan Amount - borrow from £100,000 up to £150 million, depending on the property value and lender criteria.

  • Loan to Value - up to 75% LTV.

  • Interest Type - available on a fixed or variable rate basis.

  • Repayment Type - available on an interest only or capital and interest basis.

  • Security - secured against the commercial property, with the lender taking a first charge over the asset.

Types of Commercial Mortgages

  • Owner-occupied commercial mortgages are used by businesses to purchase or refinance the premises they trade from. This allows companies to secure long-term control of their workspace instead of renting.

    Key features:

    • Suitable for trading businesses purchasing their own premises

    • Can be used for purchase or refinance

    • Often assessed on business trading performance and affordability

    • Fixed and variable rate options available

    • Structured to support long-term occupation and stability

  • Investment commercial mortgages are designed for purchasing or refinancing property that is let to commercial tenants to generate rental income. These are commonly used by property investors and portfolio landlords.

    Key features:

    • For income producing commercial or semi-commercial property

    • Rental income used to support affordability

    • Available for single assets or portfolio lending

    • Options for interest-only or capital repayment structures

    • Suitable for SPVs and limited company ownership

Get in Touch

We’d love to hear from you. Please reach out and we will be in touch shortly to discuss your commercial mortgage options.