COMMERCIAL MORTGAGES
Finance for the Property Your Business Actually Needs
Whether you're buying your own business premises, investing in commercial property to let, or refinancing an existing asset, we search over 90 lenders - high street, challenger and specialist - to find the right deal for your situation. One point of contact. No call centres. No jargon. Just straightforward advice from start to finish.
What We Can Help With
Owner-Occupier Commercial Mortgage
Buy the premises your business trades from. Building equity instead of paying rent makes strong long-term financial sense, and we'll help you find a lender comfortable with your property type, business structure and financial history.
Commercial Investment Mortgage
Purchase commercial property to rent to business tenants. Rental income typically needs to cover 125–145% of the monthly mortgage payment. We'll model the figures for you before you apply, so there are no surprises.
Commercial Remortgage
Refinance an existing commercial property to access better rates, release equity for reinvestment, or switch from interest-only to capital repayment. We handle the full transition from your current lender to the new one.
Mixed-Use & Semi-Commercial
Flat above a shop? Pub with letting rooms? Mixed-use properties need lenders who understand them. Some require the commercial element to represent at least 40–50% of the property's value. We know which lenders suit which mix.
HMO & Portfolio Lending
Houses in Multiple Occupation and property portfolios require specialist lenders comfortable with more complex structures. We work with the right lenders across the whole of market - not just the ones with the biggest advertising budgets.
Bridging Finance
When you need to move fast - an auction purchase, a chain break, development exit - bridging finance covers the gap. We place short-term finance where high street banks typically can't help.
Property Types We Can Arrange Finance On
Offices and professional suites
Retail units and high street shops
Industrial units, warehouses and storage
Hospitality - pubs, hotels, restaurants and guest houses
Healthcare - GP surgeries, dental practices, veterinary practices
Development sites and land
How the Process Works
Free Consultation - We discuss your property, business finances and goals. No obligation, no credit check at this stage. We'll tell you honestly whether we can help and what to expect.
Lender Shortlist - We search our panel of 90+ lenders and identify who will lend on your specific property, business type and financial profile. We don't submit applications speculatively.
Quote - You receive outlined terms from suitable lenders - rate, LTV, fees - with a clear explanation of the differences so you can make an informed decision.
Application & Chasing - We handle the full application, coordinate with lenders, valuers and solicitors, and chase progress so you don't have to make endless follow-up calls.
Offer & Completion - We stay involved right through to the day funds are released. Commercial mortgages typically take 6–12 weeks from application to completion.
FAQs
How much deposit do I need?
Most commercial lenders require 25–40% of the property's value. The exact amount depends on the property type, your business's financial history and the lender. We'll confirm what's realistic for your situation before you commit to anything.
Can I get a commercial mortgage if my business is under 3 years old?
Yes, though it's more challenging. Lenders typically want 2–3 years of accounts, but some specialist lenders will consider newer businesses with a solid business plan and strong personal credit history. We'll tell you who is likely to consider your case.
Are commercial mortgage rates fixed?
Unlike residential mortgages, most commercial rates are variable and negotiated individually based on your circumstances and the lender's current appetite. Some lenders offer short fixed periods. We'll present a clear comparison before you decide.
What documents will I need?
Typically: 2–3 years of business accounts, 3 months of business bank statements, proof of identity, details of any existing commercial properties, and - if buying to let - any existing tenancy agreements. We'll give you a tailored checklist at your first consultation.
Ready to talk commercial finance? Book a free, no-obligation call - no impact on your credit score.