Mortgages · Commercial
Finance for business and commercial property.
Commercial mortgages fund the purchase or refinance of business premises, commercial investment property or semi-commercial buildings (part residential, part commercial). Lending criteria and structure differ significantly from residential mortgages and are usually assessed on the business or investment case as much as the property itself.
How commercial lending differs from residential
Commercial mortgages are generally assessed differently from residential ones — lenders look closely at the underlying business performance (for owner-occupier purchases) or the rental income and covenant strength of tenants (for investment purchases), alongside the usual credit and deposit considerations. Loan-to-value ratios are typically lower than residential mortgages — terms, fees and rates also vary widely between lenders, worth comparing carefully.
Commercial mortgages secured on genuinely commercial premises generally sit outside the same regulatory framework as residential mortgages, which is worth understanding — see also Specialist Finance for related complex lending, including semi-commercial and development finance.
Some of the mortgages we conduct are not of a regulated nature, so the protection offered by regulation is not afforded to such contracts. These are mortgages such as Buy to Lets, some Bridging Loans, Commercial Loans and Development Finance.
Who this is for
- Buying premises for your own trading business (owner-occupier)
- Commercial investment property purchases
- Semi-commercial buildings (e.g. shop with flat above)
- Refinancing existing commercial premises
- Portfolio landlords with commercial units
- Businesses expanding into a new location
How it works
Tell us about the property and purpose
Owner-occupied or investment, property type and the business or investment case.
Understand the numbers lenders use
Often assessed on rental yield or business affordability, alongside standard credit checks.
Lender matching
Commercial lending is a specialist market — high-street banks, challenger banks and specialist lenders all price differently.
Application to completion
We manage the case, including any additional due diligence commercial lending requires.