Commercial Mortgages
Commercial finance solutions for acquisitions, developments, and business expansion.
🕮 Discover everything you need to know in our Commercial Mortgages Guide
TAILORED COMMERCIAL SOLUTIONS
Understanding The Commercial Space
Whether you are purchasing your first commercial property, moving your business into new premises, expanding your portfolio, or looking to refinance, we understand that every situation is different.
Commercial property finance can often feel more complex than residential mortgages, with different considerations depending on the property, how it will be used, and your long-term goals. That’s where having the right support can make a difference.
Our specialists take the time to understand what you are looking to achieve and help you explore the most suitable commercial mortgage options for your circumstances.
INDUSTRY SPECIFIC EXPERTISE
Understanding your needs. Finding the right solution.
Finding the right commercial mortgage is about more than simply securing finance. It’s about understanding your plans and finding a solution that works for you.
We work with businesses, investors, and property owners across a range of commercial finance requirements, helping guide you through the process from the initial conversation through to completion.
Whether you are buying a property to operate your business from, investing in commercial premises, or looking to release funds from an existing property, we can help you understand your options and navigate the lending process.
Your guide to Commercial Mortgage Finance | Read Now
COMMERCIAL MORTGAGES USES
What can commercial mortgages be used for?
Commercial mortgages can be used for a range of business and property purposes, from purchasing premises to investing in commercial property or releasing funds from an existing asset.
The right type of commercial mortgage will depend on how the property will be used and your individual circumstances.
Some of the most common uses include:
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An owner occupier commercial mortgage is for businesses looking to purchase their own premises rather than rent. This could include offices, shops, warehouses, or other commercial buildings used to operate a business.
Owning your premises can provide greater control, long-term security, and the opportunity to build value through property ownership.
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Semi-commercial mortgages are suitable for properties that combine residential and commercial elements, such as a shop with a flat above.
These properties require a tailored approach, with lenders considering how the property is used and the income it generates
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Commercial mortgages can be used by investors looking to purchase property to generate rental income or expand their portfolio.
This may include offices, retail units, warehouses, and other commercial properties that are leased to businesses.
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A commercial mortgage remortgage allows you to replace an existing commercial mortgage or release equity from a property.
This can help businesses and investors secure new terms, raise funds, or support future plans such as expansion or further investment.
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Mixed-use properties combine different uses within one building, such as residential accommodation alongside commercial premises.
Commercial mortgages can provide funding for these properties, with lending decisions based on factors such as the property type, usage, and income potential.
Find the Right Commercial Finance Solution
Every commercial property transaction is unique. Our experienced team provides tailored mortgage solutions designed around your objectives, whether you’re purchasing, refinancing, or expanding your property portfolio.
Get in touch today to discuss your requirements and explore how we can help.
FAQ’s
We’ve answered some of the most common questions about Commercial finance below. If you can’t find the answer you’re looking for, our team is here to help.
Have another question? Get in touch with us directly on WhatsApp and we’ll be happy to assist you.
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A commercial mortgage is a type of finance used to purchase or refinance property that is not solely residential, such as offices, retail units, warehouses, or mixed-use buildings. Lenders assess affordability based on the property’s income potential, business performance, and overall investment strength rather than just personal income.
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Most commercial mortgages typically require a deposit of 25% to 40%, depending on the property type, lender, and perceived risk. More established businesses or income-producing assets may access lower deposit requirements, particularly with strong financials or proven trading history.
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Lenders usually assess affordability based on the property’s rental income or business trading performance, rather than solely personal income. Key factors include profitability, lease agreements, tenant strength, loan-to-value ratio, and overall asset quality.
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Yes, commercial mortgages are commonly arranged through limited companies, especially for investment purposes. Lenders often favour corporate structures for commercial property ownership, as they allow clearer separation between business and personal finances. Find out more here
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Commercial mortgages can be used for a wide range of property types, including offices, retail shops, industrial units, warehouses, mixed-use buildings, and semi-commercial property (e.g. a shop with residential flats above).
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Commercial mortgage rates are typically higher than residential rates due to increased complexity and risk. However, pricing varies significantly depending on the strength of the borrower, property performance, and loan structure.
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Timeframes vary depending on complexity, but commercial mortgages typically take 4 to 12 weeks to complete. More complex transactions, such as multi-unit or mixed-use properties, may take longer due to additional due diligence.
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Yes, commercial mortgages are commonly used for investment purposes, particularly where properties generate rental income. Many investors use them to build portfolios of commercial or mixed-use assets over time.