Commercial Mortgages
Commercial mortgages provide long-term lending secured on commercial and semi-commercial property. Owner-occupier purchases, where the business trades from the property, are assessed on business affordability; investment purchases are assessed on the rental income the property produces.
How it works
- Tell us whether the property is for your own business to trade from, or as an investment.
- We assess affordability — business trading performance for owner-occupiers, rental income for investors.
- We match your case to lenders suited to the property type and the loan-to-value required.
- Completion typically follows in 6 to 12 weeks, including valuation and legal work.
Typical terms
| Loan to value | 65%–75% LTV |
|---|---|
| Term | 5–25 years |
| Completion time | 6–12 weeks |
| Assessment basis | Owner-occupier: business affordability. Investment: rental income. |
Indicative only. Actual terms depend on the lender and your circumstances.
What it is used for
Buying the premises a business currently rents.
Purchasing offices, industrial units or warehouses.
Buying retail units with residential flats above.
Care homes, pubs and hotels bought as a trading business or as an investment.
Refinancing an existing commercial mortgage onto better terms.
Who this typically suits
- Business owners looking to stop renting and own their trading premises.
- Property investors buying commercial or semi-commercial property for rental income.
- Borrowers refinancing an existing commercial facility.
When it is not the right fit
If the purchase must complete within days, a commercial mortgage will not move fast enough — Bridging Finance can complete the purchase, with a refinance onto a mortgage afterwards.
Bridging FinanceIf the property is residential lettings rather than commercial or semi-commercial, BTL Mortgages is the correct product.
BTL MortgagesIf the property needs ground-up construction or major structural work before it can be used or let, Development Finance is more appropriate.
Development Finance
What to have ready
None of this is required to start a conversation — it simply helps us understand the requirement faster once you get in touch.
- Property details and purchase price or current valuation
- Business accounts (owner-occupier) or expected rental income (investment)
- Deposit or equity available
- Details of any existing commercial borrowing
Frequently asked questions
Related products
Tell us what you're trying to fund.
No need to select a finance product before getting in touch. Start with a short enquiry and a member of the team will be in touch.