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Commercial Mortgages

Commercial Property Finance, Tailored Around You
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Most commercial mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage.

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From retail units and warehouses to offices and mixed-use developments, we arrange tailored finance solutions designed around your investment goals. With expert guidance and access to a wide range of lenders, we’ll help you secure the right funding with confidence.

Commercial lending looks beyond the property to the strength of the business or the tenant. We work with you and your advisers to put forward the strongest case.

Owner-Occupied Commercial Mortgages

If your business operates from premises you want to own, an owner-occupied commercial mortgage can be more cost-effective than renting over the long term and gives you control over your space.

  • Buying premises your business trades from
  • How lenders assess business accounts and affordability
  • Typical deposit levels for commercial purchases
  • Repayment terms structured around your business
We work with you and your accountant to present the business in its best light to lenders.

Investment Commercial Mortgages

For commercial property held as an investment — shops, offices, industrial units and more — lenders focus on the strength of the tenant and lease as well as the property itself.

  • Single-let and multi-let commercial investments
  • How tenant quality and lease length affect lending
  • Loan-to-value and rental cover requirements
  • Portfolio and refinance options for investors

We help you find a lender whose appetite matches the property and the tenancy.

Semi-Commercial Mortgages

Mixed-use properties — such as a flat above a shop — sit between residential and commercial lending, so they need lenders comfortable with both elements under one roof.

  • Properties combining residential and commercial space
  • How the split between uses affects lending
  • Owner-occupier and investment scenarios
  • Lenders experienced in mixed-use property

We match the property to a lender that understands mixed-use, rather than forcing it into a standard box.