Commercial mortgages, done right

Buy, refinance or raise capital against commercial and mixed-use property with clear, side-by-side options.

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Or book a free call with a funding specialist.

Key facts

Loan size. Typically £150k to £10m+
We arrange smaller and larger cases where the property and covenant support it.

LTV guide. Up to around 75 percent, subject to case.
Higher LTVs may be possible with additional security. Lower LTVs often unlock better pricing.

Terms. 3 to 25 years. Repayment or interest-only.
We will model both so you can see the monthly cost and total interest over the term.

Property. Commercial, semi-commercial, mixed-use and select specialist sectors.
Examples include offices, warehouses, retail, hospitality, healthcare and education.

Speed. Indicative options usually within 48 hours once documents are ready.
Valuation access and legals drive the overall timeline. We keep everyone moving.

Types of commercial mortgages we arrange

Pick the route that fits your property and plan. If more than one structure could work, we will show the trade-offs so you can choose with confidence.

Owner-occupied

Offices, industrial, retail, healthcare, education and more. Sized against business affordability and your trading record or forecasts.

Investment

Commercial or mixed-use let to third parties. Sized against rental income using a lender stress rate and DSCR tests.

Semi-commercial and mixed-use

Shop with uppers, office plus residential, MUFB. Useful where income comes from both commercial and residential units.

Interest-only and repayment

Structure to suit cash flow, subject to criteria. Interest-only can improve monthly affordability. Repayment reduces capital over time.

First or second charge

Raise capital or consolidate borrowing. Second charges can release equity without disturbing the first mortgage, subject to consent.

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What is a commercial mortgage?

A commercial mortgage is longer term finance secured on property. Use it to buy or refinance trading premises for your own business or to finance investment property let to tenants.

We compare lenders, structure the loan around your cash flow or rental income, and manage valuation and legals from start to finish.

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Common uses of commercial mortgages

Commercial mortgages support both long term holds and strategic refinances. Here are typical reasons clients work with us:

Purchase new trading premises or first freehold.
Take control of occupancy cost and build long term value for the business.

Refinance to reduce cost or release equity for growth.
Replace expensive debt or fund projects such as expansion, fit-out or new hires.

Capital raise for acquisitions, fit-out, capex or tax planning.
Put property equity to work in the business where returns are higher.

Exit a bridging loan once works or lettings are complete.
Move to a lower cost term product once the asset is stabilised.

Restructure portfolios including moves to an SPV.
Align lending with the preferred ownership model and future plans.

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Key asset refinance info

How much you can release
Advances are linked to an agreed asset value and the asset type. Lenders fund a sensible percentage which varies by age and resale strength.

Rates
Pricing depends on asset quality, deposit if any, term, and credit profile. Because the facility is secured on the asset, rates can be keener than many unsecured alternatives. We show total cost in pounds before you proceed.

Terms
Common terms range from twelve months to five years. Some hard assets can qualify for longer terms.

Valuation
Desktop, photographic, or physical inspections may be used. We will tell you exactly what the lender requires and help you prepare.

Speed
Straightforward cases can receive an offer quickly. After checks and e signing, funds are released and any existing charges are settled.

Process

Quick fact find and asset list
Indicative valuation and tailored options
Approval, settlement of existing finance if needed
Electronic documents
Funds released

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How it works

Our process is designed to be quick, organised and predictable. You will always know the next step and who is doing what.

1. Fact-find and documents
A short call to confirm objectives, timescales and property details. We collect recent bank statements, accounts or management information and any leases or heads of terms.

2. Options in about 48 hours
You receive a side-by-side comparison of lenders, terms, fees and monthly cost, with a clear recommendation and alternatives.

3. Valuation and underwriting
We coordinate access for valuers, answer lender questions and keep momentum on all outstanding items.

4. Legals
We agree representation, introduce solicitors if needed and keep all parties aligned on searches, enquiries and special conditions.

5. Completion
You satisfy final conditions, sign documents and draw down funds. We remain available for renewals and future funding.

Can I get a commercial mortgage?

Eligibility varies by lender and property. Use the points below as a guide. If you are close to the margin, speak to us. There is often a route with the right structure.

Deposit or equity. Typically 20 percent or more. Higher for some assets. A larger deposit can widen lender choice and improve pricing.

Income tests.
- Owner-occupied. Affordability from historic and forecast business cash flow.
  We review accounts and management information to ensure the loan remains sensible through the cycle.
- Investment. Debt service cover ratio tested against rent at a stressed rate.
  Typical hurdles range from 1.25 times to 1.5 times depending on risk and product.

Experience. Helpful but not essential with a strong proposal. A clear plan and quality advisers can offset limited track record.

Credit. Minor adverse considered. Explain any issues up front. Transparency allows us to target lenders who are comfortable with the story.

Property. Lenders review location, condition, EPC and planning. Clean titles and compliant EPCs help speed and pricing. We flag any likely issues early.

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Commercial mortgage FAQs

How much deposit do I need?

Most cases require a 25 percent to 40 percent deposit which is equivalent to 60 percent to 75 percent loan to value. Property type, sector and covenant strength influence the final figure. A larger deposit can widen lender choice and improve pricing.

Can I get interest-only?

Often yes. Availability depends on loan to value and affordability or DSCR. We will show repayment and interest-only side by side so you can compare monthly cost, total interest and likely refinance position at the end of the term.

Can I borrow 100 percent?

Not through a single first charge. In some cases you can reach an effective 100 percent by using additional security such as a second charge on another property. This increases risk and legal complexity, so we will explain the implications before you decide.

How long does it take?

Indicative options are typically available in about 48 hours once documents are ready. Overall timelines depend on valuation access, underwriting and legals. Clean titles, fast replies and organised documents make the biggest difference to speed.

SPV or trading company?

Either can be acceptable. We will align the application with lender criteria and your advisers on tax and structure. If you plan to grow a portfolio, an SPV can simplify future lending, although it is not the right answer in every case.

?Are there ERCs and can I overpay?

Many fixed rate products include early repayment charges during the fixed period. Some allow partial overpayments each year without penalty. We will highlight the rules in pounds and in plain English before you commit.

How long is a commercial mortgage?

Most terms run from 3 to 25 years. Shorter terms suit projects with a planned exit such as a sale or refinance. Longer terms reduce the monthly payment although total interest may be higher. We will model terms side by side so you can choose the right balance.

How long do commercial mortgages take?

Indicative options are usually available in about 48 hours once documents are ready. From application to completion, many straightforward cases complete in 6 to 12 weeks. Timing depends on valuation access, underwriting questions and legals.

Why do I need a commercial mortgage?

A commercial mortgage lets you buy or refinance property for your business or for investment. It can fix occupancy costs, release equity for growth and replace short term or expensive borrowing. It also allows you to hold the property for the long term and benefit from any capital growth while the loan is repaid.

Are commercial mortgages cheaper?

Monthly payments can be lower than bridging because the term is longer. Rates are usually higher than standard residential mortgages and vary by risk, loan to value and property type. We show the monthly and total cost in pounds, including fees and any early repayment charges, before you proceed.

Who is eligible for a commercial mortgage?

Eligibility depends on the property and the strength of the case. As a guide you will usually need a 25 percent or larger deposit, a property that meets lender criteria, and evidence of affordability or DSCR. Lenders also consider experience, credit profile, EPC and planning. New and established borrowers are considered.