Commercial Mortgages

Competitive Finance For Commercial Property Purchase And Refinancing

Commercial mortgages provide long-term finance for purchasing or refinancing commercial property including offices, retail units, warehouses, hotels, and multi-use developments. Commercial property finance is typically arranged over 5-25 years with rates competitive with residential lending for properties with strong income characteristics.

Types Of Commercial Mortgages

Owner Occupier

Finance for businesses purchasing their own commercial premises, removing rent payments and building equity in a property that suits your operations.

Investment Finance

Mortgage finance for investors purchasing commercial property to let to business tenants, focusing on rental yield and capital value.

Development Exit

Short to medium-term finance to replace development finance once projects are complete and income is established.

Common Use Cases

Premises Purchase

Buy the commercial property your business operates from and eliminate rent payments.

Investment Property

Acquire commercial property assets generating rental income for your investment portfolio.

Refinance Existing

Replace expensive short-term finance with competitive long-term commercial mortgage rates.

Portfolio Expansion

Grow your commercial property portfolio by releasing equity from existing assets.

Buy-to-Let Portfolio

Finance multiple commercial units under a single facility for streamlined management.

Frequently Asked Questions

What types of commercial property can be financed?

A wide range of commercial properties are accepted including offices, retail units, warehouses, industrial estates, hotels, guest houses, care homes, and mixed-use commercial/residential buildings. Specialist properties may require a lender with expertise in that sector.

How much can I borrow on a commercial mortgage?

Commercial mortgages are available from £100,000 to multi-million pound facilities. Most lenders offer up to 65-70% loan-to-value for standard commercial property, though higher LTVs may be available for prime assets or with additional security. Your broker will identify the most suitable lenders for your borrowing requirement.

What are typical commercial mortgage rates?

Commercial mortgage rates vary based on property type, loan size, term, and borrower profile. Rates typically start from around 4-5% for prime property with strong covenants, with higher rates for more complex situations. Your broker will source competitive options tailored to your circumstances.

How long does the application process take?

The commercial mortgage application process typically takes 4-8 weeks from submission to completion. Straightforward cases with clear security and clean credit profiles can sometimes progress faster. Ensuring all required documentation is provided upfront helps avoid delays.

Do I need personal guarantees?

Personal guarantees are often required for commercial mortgages, particularly for smaller businesses and individual applicants. Directors with significant personal assets may be asked to provide guarantees as additional security for the facility.

Can I switch from a bridging loan to a commercial mortgage?

Yes — transitioning from a bridging loan to longer-term commercial mortgage finance is a common and straightforward process. Most bridging lenders and commercial mortgage lenders work together to facilitate this transition, and your broker can coordinate the switch to ensure continuity of funding.

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Speak to our team about your funding requirements and let us find the right solution for your business.

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