Commercial Mortgages

Finance the purchase or refinance of your business premises with long-term, structured funding. We help established businesses secure commercial mortgage facilities from a wide panel of lenders.

Check Your Funding Options

What is a Commercial Mortgage?

A commercial mortgage is a long-term loan used to purchase or refinance property that your business occupies. Instead of renting premises, businesses can invest in property ownership while spreading the cost over an extended term.

Commercial mortgages are commonly used to fund:

  • Offices and headquarters
  • Warehouses and industrial units
  • Retail premises
  • Medical or care facilities
  • Workshops and depots

Owning premises can provide long-term stability and build business equity.

When Should You Use a Commercial Mortgage?

Businesses often consider a commercial mortgage when:

  • Rental costs are increasing
  • Long-term premises stability is required
  • The business has outgrown current premises
  • Property ownership forms part of growth strategy
  • Existing property finance needs refinancing

Owning premises can be a strategic investment for established businesses.

Types of Commercial Mortgages Available

Owner-Occupied Mortgages
For businesses purchasing premises they will operate from.

Commercial Remortgage
Refinancing existing property to release capital or improve terms.

Semi-Commercial Mortgages
Properties combining commercial and residential elements.

Funding Amounts & Terms

Commercial mortgages typically range from £250,000 to £10m+, depending on the property and borrower profile.

We most commonly support businesses seeking £500k+ facilities.

Typical features:

  • Terms up to 20–25 years
  • Loan-to-value typically up to 70–75%
  • Competitive long-term interest rates

How Quickly Can Funding Be Arranged?

Indicative terms can often be provided within days, with completion typically taking 6–12 weeks depending on valuation and legal processes.

How the Process Works

  1. Understand your property and funding requirement
  2. Source suitable lenders and terms
  3. Property valuation and underwriting
  4. Legal process and documentation
  5. Completion and funds released

Commercial Mortgage FAQs

Most lenders require a deposit of 25–35% of the property value.

Yes. Many businesses refinance to release equity or improve terms.

Both options are available depending on lender and facility.

Yes. Commercial mortgages are commonly used by operating businesses buying their premises.

Tell us about your funding requirements

We typically respond within one working day and your enquiry is treated in strict confidence.

For Businesses