Commercial Mortgages: Own The Premises Your Business Deserves
Long-term finance for buying, refinancing or releasing equity from commercial property — whether you'll occupy it yourself or hold it as an investment.
Prefer to plan ahead? Book a call online or message us on WhatsApp.How commercial mortgages works for you
For an owner-occupier, a commercial mortgage turns rent into equity: your monthly payment builds an asset instead of a landlord's. For an investor, it's the engine of yield — the right leverage on the right terms decides what a building actually returns.
We arrange commercial mortgages on offices, retail units, industrial and warehouse space, leisure premises, and semi-commercial property such as shops with flats above. That includes trading businesses buying their premises, investors purchasing tenanted stock, and refinances that release equity for the next acquisition.
Pricing varies enormously with lender appetite for your sector, covenant and tenancy profile. Presenting your case to the right two or three lenders — rather than blanketing the market — is how we protect both your terms and your credit file.
What clients fund with commercial mortgages
- Buying the premises your business trades from
- Purchasing tenanted investment property
- Remortgaging to release equity for growth
- Semi-commercial and mixed-use property
- Refinancing expiring facilities on better terms
Why place it through us
Banks lend to sectors they like this quarter. We track lender appetite in real time — who wants industrial, who's cooling on retail, who'll take a single-tenant covenant — and structure your application, and your business's story, for the desk most likely to say yes.
Every case begins with a conversation, not a form. Call 0800 6120759 or send us the outline and we'll respond within one working day.
Commercial Mortgages: frequently asked questions
What deposit does a commercial mortgage need?
Owner-occupiers typically need 25–30% of the purchase price; investment purchases usually 30–35%. Additional security, strong accounts or a long lease to a quality tenant can all improve leverage — and in some cases other assets can stand in for cash deposit.
How long does a commercial mortgage take?
Plan for 8–12 weeks from application to completion, driven mainly by valuation and legal work. If your purchase is time-critical, a bridging loan can secure the property first with the commercial mortgage arranged as the exit.
Can I get a commercial mortgage with imperfect accounts?
Often, yes. A weak year on paper — heavy reinvestment, a one-off cost, pandemic-era distortions — can usually be explained and evidenced. Specialist lenders will also consider projections and management information, which is precisely the kind of case we build well.