Commercial Mortgages for UK Businesses
Buy, refinance or release equity from business premises and commercial investment property with the right lender for your sector.
What can you finance?
- Offices and business premises
- Warehouses and industrial units
- Retail units and shops
- Pubs, restaurants and hotels
- Semi-commercial and mixed-use property
- Commercial investment property with tenants in place
Who can we help?
- Owner-occupiers buying or refinancing their trading premises
- Investors purchasing tenanted commercial property
- Businesses moving from renting to owning
- Companies releasing equity for growth or consolidation
- Trading businesses and SPVs alike
How much can you borrow?
Up to 75% LTV
Owner-occupier mortgages typically go to 70–75% loan-to-value; investment mortgages to around 65–70%. Loans from £100,000 to £20m+ over 5–25 years, on fixed or variable rates, interest-only or capital repayment.
How quickly can funding be arranged?
6–12 weeks to completion
Indicative terms within days; full offer follows valuation and underwriting in 3–5 weeks; completion depends on legal work. We chase every party to keep the timeline tight.
What do lenders look for?
Knowing what underwriters weigh up lets us present your case properly the first time, which means faster decisions and better terms.
- 01Affordability: EBITDA or rental income against loan repayments
- 02Deposit and overall loan-to-value
- 03Property type, condition and location
- 04Trading history and sector outlook
- 05Tenant strength and lease length on investment deals
Commercial Mortgages questions
Get a Commercial Mortgage Quote
Tell us a little about your business and requirement. We'll compare commercial mortgages options from across 165+ UK lenders and come back to you with clear, tailored terms. No obligation, no impact on your credit score.
- Whole-of-market comparison
- Dedicated relationship manager
- Plain-English advice
- No obligation quote
