Finance for business property
Commercial Mortgages
Whether you're buying premises for your business or investing in commercial property, we can help source the right commercial finance.
Tailored advice for your situation
Commercial mortgages explained
A commercial mortgage is a loan secured against a property used for business purposes — whether that's premises you trade from, a semi-commercial building with a flat above a shop, or an investment property let to a commercial tenant.
Lenders assess the property type, your business finances (or the tenant's covenant for investment properties), the loan-to-value ratio, and your trading history. Typical deposits range from 25–40%, with terms of up to 25 years.
Owner-occupied vs investment commercial
Owner-occupied commercial mortgages are assessed on your business's affordability — its trading history, profitability, and ability to service the loan. They can be more flexible than investment deals because the lender sees the trading business behind the property.
Investment commercial mortgages are assessed on the rental income from the commercial tenant and the strength of their lease covenant. Lenders look for strong tenants on long leases, and the loan-to-value is usually lower than for residential buy-to-let.
Semi-commercial and mixed-use properties
Semi-commercial properties — such as a shop with a flat above — sit between residential and commercial lending. The right lender depends on the split of residential vs commercial use, the rental income, and whether you intend to live in the residential part.
We work with lenders who specialise in mixed-use finance, so we can structure the loan correctly whether you're buying a freehold with a commercial unit, or an investment property with mixed tenancies.
Common Questions
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