Owner-occupied mortgages
Buy the premises your business trades from and stop paying rent.
Commercial mortgages
Commercial mortgages for owner-occupiers and investors
Buy the premises you trade from, refinance a building you own, or grow a commercial property portfolio. We match the property, the tenant and you to a lender whose criteria fit.
What we arrange
Property finance for every kind of commercial building
We arrange finance on most commercial property types across England and Wales.
Commercial investment mortgages
Finance shops, offices and units let to business tenants.
Semi-commercial and mixed-use
Shops with flats above and other mixed residential and commercial buildings.
Remortgage and capital raising
Release equity or move to a better rate when your current deal ends.
Bridging to term
Short-term finance to buy fast, then refinance onto a long-term mortgage.
Development and refurbishment
Funding for conversions, refurbishments and ground-up schemes.
At a glance
Typical commercial mortgage terms
Owner-occupied and investment mortgages are assessed differently. These are typical ranges.
| Loan size | £100,000 to £10 million+ |
|---|---|
| Loan to value | Up to 75% owner-occupied, up to 70% investment |
| Term | Up to 25 years |
| Rates | Fixed or variable |
| Assessment | Business profits (owner-occupied) or rental income (investment) |
Indicative ranges across the lenders we work with. Actual terms depend on the lender, your business, the security offered and status. Finance is subject to lender approval.
Who it's for
- Trading businesses buying their own premises
- Property investors with commercial or mixed-use buildings
- Owners refinancing at the end of a fixed rate
- Limited companies, SPVs, partnerships and individuals
What lenders will usually ask for
- A deposit, typically 25% to 30% of the purchase price
- Two to three years' business accounts (owner-occupied)
- Tenancy schedule and leases (investment)
- Property details and the agreed price
- Details of your existing property and borrowing
How it works
From first call to funds in your account
Tell us what you need
A short enquiry or call about the amount, the purpose and your business.
We build your case
We prepare the figures, security and story in the format lenders expect.
We approach lenders
We go to the lenders whose appetite fits your deal and negotiate terms.
We see it through
We manage valuations, solicitors and conditions until funds are released.
Questions
Commercial mortgages FAQs
How much deposit do I need for a commercial mortgage?
Usually 25% to 30% of the purchase price. Some lenders go higher for strong owner-occupied cases, and additional security can sometimes reduce the deposit needed.
How long does a commercial mortgage take?
A straightforward case often completes in 6 to 12 weeks. The valuation and legal work usually take the most time.
Is it better to rent or buy business premises?
Buying can cost less than rent over time and builds an asset, but ties up a deposit. We can show what the monthly repayments would look like against your current rent.
Can I buy property through a limited company?
Yes. Many lenders lend to limited companies and special purpose vehicles, usually with personal guarantees from the directors.
Related finance
Other ways we can help
Bridging finance
Short-term property finance when timing matters.
Find out moreCommercial finance
Business loans, revolving credit and invoice finance.
Find out moreAsset finance
Hire purchase and leasing for equipment and vehicles.
Find out moreThinking about buying or refinancing property?
Two minutes to enquire. A broker replies within one working day.