Buying or refinancing a commercial property requires specialist support—and a lender who understands your business. Whether you’re expanding your premises, investing in a mixed-use block, or refinancing an HMO portfolio, Mortgage Knight delivers expert commercial mortgage solutions with lenders who make decisions based on the full picture.
A commercial mortgage is used to buy or refinance a property used for business purposes, such as:
We work with lenders offering finance to individuals, companies, and LLPs with a focus on real-world affordability and investment potential.
We help:
Even if you’ve been declined elsewhere, we can help find a lender that understands your needs.
| Feature | Typical Range |
|---|---|
| Loan size | £50,000 to £25 million+ |
| Loan-to-Value (LTV) | Up to 75% (more with additional security) |
| Term length | 3–30 years |
| Repayment options | Capital & interest or interest-only |
| Ownership | Individuals, companies, LLPs |
| Rate types | Fixed, tracker, or variable |
Client: Property investor purchasing a shop with two flats above.
Challenge: His residential BTL lender wouldn’t fund mixed-use.
Solution: We secured a £325,000 commercial mortgage at 70% LTV through a semi-commercial lender.
Result: Deal completed in 4 weeks. Rental income from flats and retail unit now exceeds mortgage payments.
Client: Limited company operating a furniture showroom.
Challenge : Renting a unit for years, now wanting to buy the property from landlord.
Solution: We arranged a 75% LTV owner-occupier commercial mortgage with interest-only for the first year.
Result: Lower monthly outgoings than rent and long-term asset growth.
Client: Landlord with four large HMOs held under a Limited Company.
Challenge: Looking to refinance all four and raise funds for a new project.
Solution: We arranged commercial portfolio lending, releasing £180,000 of equity with one monthly payment.
Result: Client expanded portfolio without selling any assets.
A: Yes. Some lenders will accept applicants with no previous commercial experience, especially for owner-occupier or low-LTV deals.
A: Typically 25%–40%, though some lenders accept less if additional security is offered.
A: Absolutely. Most commercial mortgages are done via SPVs or trading companies for tax efficiency and separation.
A: From application to offer: 2–4 weeks (sometimes faster). Completion depends on legal work, typically 4–8 weeks total.
A: We work with lenders who assess the property and income, not just your credit score. If the deal stacks up, we’ll find a way.
