Whether you’re buying a property for your own business, investing in a multi-unit block, or refinancing a commercial asset, you need a mortgage that’s built for business, not bureaucracy.
A commercial mortgage is a type of loan secured against a property that is used for business purposes. This could include:
Unlike residential mortgages, commercial mortgages are tailored based on rental income, business performance, or asset value, and are often manually underwritten for flexibility.
We also help with land purchases and developments—just ask.
We support:
Whether you’re a seasoned investor or first-time commercial buyer—we make the process straightforward.
| Feature | Typical Range |
|---|---|
| Loan size | £50,000 to £25 million+ |
| Loan term | 1–30 years (depending on property & lender) |
| Deposit required | 25%–40% typically |
| Interest rates | Variable, fixed or tracker (from 5–9%+) |
| Repayment type | Capital & interest or interest-only |
| Lending entity | Personal name or Limited Company (SPV) |
Status: Zoe runs a beauty clinic and had been renting for years. She found a high street unit for sale but her bank was slow and inflexible.
Solution: We arranged a £275,000 commercial mortgage at 75% LTV from a lender who understood SME income and allowed part-interest-only during set-up.
Outcome: Zoe now owns her premises, saving on rent and growing long-term wealth.
Status: Alex wanted to buy a shop with two flats above as a rental investment. His residential lender wouldn’t touch mixed-use.
Solution: We placed him with a commercial lender used to mixed-use properties, basing the loan on combined rental income.
Outcome: He secured a £320,000 mortgage at 70% LTV, with a 5-year fixed rate.
Status: Ahmed owned 5 HMOs through a limited company and wanted to refinance to raise capital for another project.
Solution: We refinanced the portfolio with a commercial lender offering portfolio lending across multiple titles, unlocking over £250,000 in equity.
A: Commercial mortgages are for properties used for business purposes or rented out as part of an investment. They’re more flexible, but usually require a higher deposit and involve business assessments.
A: Yes. While experience helps, we work with lenders who accept new landlords, new companies, and new commercial ventures.
A: Absolutely. Many landlords now use SPVs to purchase and hold commercial or BTL property, and we specialise in this structure.
A: Typically 25%–40% depending on property type, your credit profile, and rental/business income.
A: Possibly, yes. We have access to lenders who focus more on the asset and income than on personal credit score.
A: Usually:
We’ll walk you through every step.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.
