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Commercial Mortgages
- A commercial mortgage is a long-term loan secured against a commercial or investment property. Whether you're buying business premises or building a property portfolio, we can find you the right lender.
Structured Finance for Business and Investment Property
A commercial mortgage is a long-term loan secured against a commercial or investment property. Common uses include purchasing trading premises such as offices, retail units, warehouses, and industrial units, as well as investment properties such as HMOs, mixed-use buildings, and buy-to-let portfolios.
Unlike residential mortgages, commercial mortgages are largely unregulated by the FCA, which gives lenders more flexibility to assess each case on its individual merits. Rates can be fixed or variable, terms typically run from 5 to 25 years, and loan-to-values commonly range from 60% to 75% depending on the property type and borrower profile.
As an independent broker, we work across the full market — from high street banks to specialist and challenger lenders — to find the most suitable deal for your circumstances.
Product Features Include:
- Access to specialist and high street lenders across the full market
- Rates fixed or variable; terms typically 5–25 years
- LTV up to 75% depending on property type and borrower profile
- Suitable for owner-occupied premises and investment properties
- Adverse credit considered, subject to lender assessment
- Interest-only and capital repayment options available
Case studies
Some of our projects
Land Bridge for 220 Apartments
£10,400,000
Airspace Development
£1,200,000
CBILS Refinance for 4 Detached Houses
£3,400,000
Enquiry to Completion in 4 weeks
£3,600,000
our team
team of experts
FAQs
Common Questions & Answers
What is a commercial mortgage?
A commercial mortgage is a long-term loan secured against a commercial or investment property. It is used to purchase or refinance business premises — such as offices, retail units, warehouses, or industrial properties — as well as investment properties including buy-to-let, HMOs, and mixed-use buildings. Terms typically run from 5 to 25 years, and rates can be fixed or variable.
What is the minimum deposit for a commercial mortgage?
Most commercial mortgage lenders require a minimum deposit of 25–40%, depending on the property type and the borrower’s financial profile. LTVs of up to 75% are available for strong deals, with owner-occupied properties sometimes achieving better terms than investment properties. Specialist lenders may offer higher LTV options in the right circumstances.
Are commercial mortgages regulated by the FCA?
Most commercial mortgages are not regulated by the Financial Conduct Authority (FCA). This differs from residential mortgages, which are fully regulated. The exception is where the borrower intends to occupy more than 40% of the property as their primary residence, in which case the FCA’s consumer mortgage rules may apply.
The lack of regulation gives lenders greater flexibility but also means borrowers benefit from using an experienced broker to navigate the market.
What types of property qualify for a commercial mortgage?
Commercial mortgages can be used on a wide range of property types, including offices, retail units, restaurants, pubs, warehouses, industrial premises, hotels, care homes, HMOs, mixed-use buildings, and buy-to-let investment properties. Lender appetite varies by property type, which is why working with a broker who has access to the full market is important.
How long does it take to get a commercial mortgage?
A commercial mortgage typically takes 8–12 weeks from application to completion, though complex transactions or unusual properties may take longer. Working with a specialist broker can speed up the process by ensuring your application is packaged correctly and submitted to the right lenders from the outset, reducing delays and avoiding unnecessary rejections.
