Finance for offices, retail, industrial and mixed-use properties. Whether you're buying premises for your business or investing in commercial property.
*Indicative rates. Actual rates depend on property, business strength and LTV.
A commercial mortgage is a loan secured against non-residential property. Unlike residential mortgages, terms, rates and criteria vary significantly based on property type, business use and income source.
Commercial mortgages are used for:
From high street retail to industrial units, we connect you with lenders for all commercial property types.
Single offices to entire office buildings. Owner-occupied or investment.
High street shops, retail parks and shopping centres.
Warehouses, factories, distribution centres and workshops.
Hotels, pubs, restaurants and leisure facilities.
Care homes, medical centres and dental practices.
Properties combining commercial and residential elements.
For businesses buying their own premises. Assessed on business trading accounts and affordability.
For purchasing commercial property to let to tenants. Assessed on rental income and covenant strength.
Release equity from existing commercial property or improve your current mortgage terms.
Mixed-use properties with both residential and commercial elements.
Tell us about your requirements and we'll connect you with specialist lenders.
Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
Typically 25-40% deposit is required. Most lenders offer up to 70-75% LTV for standard commercial properties, though this varies by property type, tenant quality and your experience. Some specialist lenders may go higher for strong propositions.
It's more difficult but possible. Most lenders want 2-3 years of trading history. New businesses may need a larger deposit, personal guarantees, and strong business plans. Some specialist lenders focus on startups but rates will be higher.
A personal guarantee makes you personally liable if the business defaults on the mortgage. Most commercial lenders require this, especially for smaller businesses. It means your personal assets could be at risk if the loan isn't repaid.
Typically 6-12 weeks from application to completion. Complex cases may take longer. Having accounts, business plans and property details ready speeds up the process. Bridging finance can be arranged faster if you need to complete quickly.
Yes, through a SSAS (Small Self-Administered Scheme) or SIPP (Self-Invested Personal Pension). Your pension can borrow up to 50% of its value to purchase commercial property, which can then be leased back to your business. This is a specialist area requiring proper advice.