Commercial Mortgages

Buying property for your business

If you want a Commercial Mortgage please fill in this form


Whether buying premises for your business or purchasing for investment, a commercial property could well be one of the largest transactions you will ever undertake. So, getting expert advice and being able to choose from a wide range of Commercial Mortgage providers to get the best deal is very important.

Why go to a broker for a Commercial Mortgage?


  • More Choice: Scan the offers from a wide range of High Street banks, Challenger banks, private lenders and crowdfunders
  • Save Time: By guiding you initially to the right lender, we save time and credit checks associated with fruitless applications
  • Reduced Hassle: We'll walk you through all the paperwork and advise on how best to apply
  • Service: As a FCA-registered broker and NACFB member we uphold all codes of conduct and best practices
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Frequently Asked Questions


How much can I borrow?    

Typically up to 85% of the property’s value, however this varies depending on affordability, property type and industry. Most lenders will max out at 75% loan to value.

Is there any chance to get a 100% LTV Commercial Mortgage?    

A 100% LTV is possible but we would need you to offer some additional security (i.e. another property), or own a professional practice.

Can I still get a Commercial Mortgage if I have adverse credit?    

Yes, though if it is very severe then probably not.

Can I get funding for a HMO (House of Multiple Occupancy)?    

Yes, we have many lenders prepared to lend to HMOs.

Can I borrow to buy a Leasehold (not Freehold) premises?    

Yes but there needs to be a long lease on the property, typically in excess of 50 years. You should also check the clauses in the lease, such as increasing ground rent as this could affect your ability to borrow.

What types of properties can be purchased with a Commercial Mortgage?    

Anything with a commercial element, including offices, warehouses, industrial units, retail premises, mixed-use buildings, care homes. Semi-commercial properties such as shops with flats above also qualify, as well as large HMOs and blocks of flats.

Can I get a Commercial Mortgage if I’m self-employed?    

Yes. Many lenders are happy to support self-employed applicants as long as you can demonstrate sustainable income and a good track record.

What are the fees to get a Commercial Mortgage?    

If you decide to use us to arrange your mortgage there is no fee to get a quote but you will be charged you 1% of the loan amount (minimum £999) if you proceed with the application and get a formal loan offer. It is also normal that you pay the lender’s legal as well as valuation fees and there may also be an arrangement fee from the lender. However, lenders do deals from time to time where some or all of these expenses are removed so we monitor these options and can advise you where the best deal is.

Why should I use a Commercial Mortgage broker?    

You can do all this yourself, of course, but we can a) save you time by knowing which lender will give you the best deal; b) avoid complications later in the deal by presenting the information to that lender in the manner that makes them most likely to lend; and c) we can guide you through the process and make sure you compete the finance as efficiently as possible.

What's the difference between owner-occupier and investment commercial mortgages?    

Owner-occupier mortgages are for premises your own business will trade from. Investment mortgages are for buying property you plan to let to third-party businesses.

Can I use a Commercial Mortgage to refinance an existing property?    

Absolutely. Many clients refinance to access better rates, raise capital for growth, or release equity tied up in property.

Do I need to be VAT registered?    

Not always. However, some commercial properties are VAT-elected, so VAT might apply on the purchase price. If VAT will be payable, then a VAT loan may be appropriate in addition to a commercial mortgage.

How long does the process take?    

Typically 8-16 weeks from initial application to drawdown, depending on how quickly the valuation, legal work, and due diligence can be completed. It is possible to complete a transaction in as little at 4-8 weeks if it is a refinance.

I've already had a valuation done on my property; do I need another one?    

In some cases, lenders may accept a reissued valuation report if it was conducted recently. However, not all lenders will accept this, so your options may be limited depending on the timing and the lender’s requirements.

Can I purchase a property in a new limited company?    

Yes, it’s possible to purchase a property through a newly formed limited company and is known as an opco/propco structure. Many business owners choose this route for tax benefits and asset protection.

I am a first time investor, can I get a commercial investment mortgage?    

Yes, it’s possible to secure a commercial investment mortgage as a first-time investor. However, lenders may have stricter criteria for first-time buyers, as they’ll assess factors like your experience, financial stability, and the potential income from the property. While many lenders prefer applicants with previous property investment experience, we work with a range of lenders who can support first-time investors, often with a higher deposit. Having some evidence of running a successful business and/or property investing experience will help to support your application. If you're new to commercial property investing, we can guide you through the process and help you access the best possible financing options.

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What is needed to apply

Applying for a Commercial Mortgages is very easy. Below are listed the things you need in order to apply.

  • Eligibility CriteriaYou will need property in the UK with sufficient equity (or the value of one you're buying), a reasonable credit record and in some cases proof of income.
  • Documents RequiredAddress of property being mortgaged plus details of any finance currently outstanding on it. At least two years' business accounts, management accounts and three to six months' business bank statements.
  • Additional CommentsThe process takes four to eight weeks depending in how quickly you get the information required to us and how quickly your solicitor can work.

There are many options for a Commercial mortgage available. From High street banks to challenger banks to private lenders and more recently even crowdfunders, it's a crowded market place. Our job is to ensure you are placed with the lender best suited to your requirements and to ensure the process is as straight-forward as possible so you can spend your time running your business and not worrying about the application. Call us for professional and friendly advice.

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