Commercial Mortgage

Funding solutions for businesses, property investors and commercial property purchases

Expanding your property portfolio or investing in commercial real estate? Commercial property finance often involves more variables than residential borrowing. We help businesses and investors assess the available lending options and structure applications that reflect their objectives.

Access to Specialist Commercial Lenders
Tailored Commercial Finance Advice
Support Until Completion
NACFB Member

Commercial mortgages are not regulated by the Financial Conduct Authority. A commercial mortgage is secured against the property, which may be repossessed if repayments are not maintained.

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What Brings You Here Today?

Owning commercial property can support long-term business growth and investment. Choose an option below to explore the most suitable route for your circumstances.

Owner-Occupier Commercial Mortgages

Buying your own business premises can provide long-term stability while giving your business greater control over its operating costs. An owner-occupier commercial mortgage allows you to buy or remortgage premises your business will operate from instead of renting. It's relevant for offices, retail units, warehouses, industrial premises, restaurants and other owner-occupied commercial properties. Lenders assess factors such as your business performance, affordability, property type and deposit before making a lending decision.

Commercial Investment Mortgages

A commercial investment mortgage allows you to buy or remortgage a property that's let to a business or commercial tenant. Rather than occupying the property yourself, you receive rental income while building a commercial property investment. It's commonly used for offices, retail units, industrial premises, warehouses and mixed-use properties. Lenders consider factors such as rental income, property type, affordability and your investment experience when assessing your application.

Semi-Commercial Mortgages

Suitable where residential and commercial space exist within the same property. Lenders assess factors including the property's layout, intended use, rental income where applicable, affordability and the deposit available before making a lending decision.

WHY USE A COMMERCIAL MORTGAGE ADVISER?

Clear advice and a well-prepared application can make the commercial mortgage process far less complex. We're here to explain your options and support informed decision-making at every stage.

Well-Structured Applications

Every recommendation is tailored to your business, property and funding requirements.

Access to Specialist Commercial Lenders

We compare options from a wide panel of banks, challenger lenders and specialist commercial finance providers.

Presenting Your Business Effectively

How your business and borrowing requirement are presented can influence how lenders evaluate your application.

Comparing Funding Structures

Commercial finance involves more than comparing interest rates. Repayment terms, fees and lending flexibility all play an important role.

One Adviser Throughout

You'll work directly with the same adviser from your initial enquiry through to completion.

Supporting Business Objectives

Property finance should complement your wider commercial plans. An adviser considers both your immediate funding needs and longer-term objectives.

HOW MUCH COULD YOU BORROW?

Commercial borrowing depends on factors including your business performance, rental income, property type and the lender's assessment. Use our calculator as a starting point before speaking with one of our advisers. The calculator provides an indication only and should not be relied upon as advice.

Commercial mortgages are not regulated by the Financial Conduct Authority. A commercial mortgage is secured against the property, which may be repossessed if repayments are not maintained.

Calculate Your Borrowing