Commercial Mortgages
Long-term finance to buy, refinance or release equity from commercial property.
Overview
What is commercial mortgages?
Owning your premises — or building a property portfolio — can be one of the best long-term moves a business makes. We find commercial mortgage lenders whose criteria fit your property and plans.
Commercial mortgages are long-term loans secured against business or investment property, typically over 3 to 25 years. They cover owner-occupied premises, commercial investment property, semi-commercial and portfolio refinancing.
Best for
- Businesses buying their own premises
- Investors acquiring commercial or semi-commercial property
- Refinancing from bridging onto term debt
- Releasing equity from owned property
In practice
Typical scenarios we fund
A dental practice buying its freehold instead of renewing a lease.
An investor refinancing a parade of shops onto a 15-year term.
A manufacturer releasing equity from its factory to fund new machinery.
FAQs
Common questions
What deposit do I need?+
Most lenders require a deposit or equity of around 25–40%, depending on the property type and your trading history.
Owner-occupied or investment?+
Lenders assess these differently — owner-occupied cases look at business trading; investment cases focus on rental income. We'll position your case correctly.
How long does it take?+
Commercial mortgages typically take several weeks, with valuation and legal work the main drivers of timing.
Ready to explore commercial mortgages?
A quick eligibility check takes under two minutes. No credit search.