Buy or refinance commercial property for your business or as an investment. Expert guidance on owner-occupied and investment commercial mortgages from specialist lenders across the whole market.
A commercial mortgage is a long-term secured loan used to purchase or refinance commercial property. Unlike residential mortgages, commercial mortgages are assessed primarily on the business's ability to service the debt and the value/quality of the property being secured.
They can be arranged for owner-occupied properties (where your business trades from the premises) or investment properties (where you let the property to a third party).
Your business buys the freehold or long leasehold of the property it trades from. Monthly payments often compare favourably to rent — and you build equity over time rather than paying a landlord.
Buying commercial property to let to a third-party tenant. Assessed primarily on the rental income coverage and tenant covenant strength. Common for retail units, industrial premises and offices.
Mixed-use properties combining commercial and residential elements — such as a shop with a flat above. These require specialist lenders comfortable with the hybrid security.
"Commercial mortgage lenders vary enormously in their appetite for different property types, sectors and borrower profiles. High street banks often decline deals that specialist lenders see as straightforward. Having access to the whole market — including challenger banks and specialist lenders — changes the outcome."
Tell us about the property and your business and we'll identify the most suitable commercial mortgage lenders.
Speak to a Specialist → 📞 01392 241669