4.97 out of 5 based on 2,400+ reviews

Commercial Property Mortgages

Rated 4.97 out of 5 from 2,400+ reviews

Two businessmen in discussion about commercial property mortgage options

Key Takeaways:

Commercial property mortgages offer flexible funding for a wide range of business and investment purposes, from buying your own premises to expanding a portfolio or securing short-term finance. Because commercial lending is assessed on a case-by-case basis, the most suitable solution depends on the property type, your financial position, and your long-term objectives.

Mortgages For Commercial Property

Tailored commercial finance solutions designed to support your business expansion, strengthen long-term stability, and maximise investment returns. Whether you’re acquiring premises for your own operations, purchasing an income-producing asset, or securing short-term funding, our commercial mortgage specialists provide a fully bespoke service built around your goals.
As whole-of-market commercial mortgage brokers, we work with high-street banks, specialist lenders, and private banks to secure competitive, flexible lending options that match your business profile and property type.

What Is a Commercial Mortgage?

A commercial mortgage is a specialist loan used to fund the purchase, development, or refinancing of property used for business or investment purposes. Unlike residential mortgages, which are typically standardised, commercial lending is bespoke. Each application is assessed on its own merits, taking into account the borrower’s financial position, business performance, and the commercial viability of the property itself.
Commercial mortgages can be used by business owners looking to secure premises, investors seeking rental income, and developers undertaking new projects. They also offer advantages such as longer repayment terms, competitive interest rates, and the potential for property value growth over time.
Distribution warehouse interior with boxes on storage racks

Specialist Commercial Mortgage Solutions

We provide tailored advice across a range of commercial mortgage solutions for businesses and investors, working with high-street banks, specialist lenders and private banks to secure flexible, competitive terms.

Owner-Occupied & Investment Commercial Mortgages

Whether purchasing your own trading premises or acquiring a commercial property for rental income, we source competitive long-term funding tailored to your business profile.

Semi-Commercial & Mixed-Use Mortgages

For properties combining commercial and residential elements, we access specialist lenders experienced in the unique valuation and lending criteria these assets require.

Commercial Bridging Loans & Short-Term Finance

Need fast access to capital for an auction purchase, refurbishment or cash flow gap? We arrange flexible short-term bridging solutions while longer-term finance is put in place.

Specialist & Private Lender Commercial Finance

Complex income, non-standard property or a unique business model? We match you with specialist and private lenders equipped to handle sophisticated commercial cases.

Types of Commercial Mortgages

Owner Occupied Commercial Mortgages

If you’re looking to purchase your own trading premises, an owner-occupied commercial mortgage provides a long-term funding solution that supports business security and reduces dependence on renting. Owning your place of business can improve cash flow, protect you from rising lease costs, and give you control over the future of your physical operations.

Commercial Investment Mortgages

Commercial investment mortgages are ideal for individuals and companies seeking to generate rental income from commercial property. Whether you’re purchasing an office, a retail unit, a warehouse, or a block of flats, this type of financing is structured to support long-term investment growth. It allows you to leverage the rental yield of the property to build a robust and diversified portfolio.

Commercial Bridging Loans

Commercial bridging loans offer fast, flexible funding for time-sensitive opportunities—such as buying a property at auction, completing a refurbishment, or resolving temporary cash flow gaps. These short-term solutions are typically used until longer-term financing is arranged. They are particularly popular with developers, investors, and businesses that need immediate access to capital.

Semi-Commercial Mortgages

Semi-commercial mortgages are designed for properties that combine both commercial and residential elements. Examples include shops with flats above or buildings with a ground-floor trading space and upper-floor accommodation. These properties require specialist assessment because the mixed-use nature impacts valuation, risk, and lending criteria. With access to a wide panel of lenders, we can secure flexible solutions tailored to these unique assets.

What Properties Can Be Financed with a Commercial Mortgage?

Commercial mortgages are extremely versatile and can be used for a broad spectrum of property types. From retail stores and hospitality venues to office buildings, industrial units, and agricultural land, these loans cater to a wide variety of business needs.
They are also suitable for multi-unit residential buildings such as blocks of flats and HMOs, which can be highly attractive to investors seeking recurring rental income. Specialist sectors—such as healthcare, dentistry, veterinary practices, and care homes—can also be financed through commercial mortgages, although these cases often require tailored assessments and lenders with sector-specific expertise.

Understanding Commercial Mortgage Lenders

The commercial mortgage market is broad, and lenders vary significantly in terms of flexibility, risk appetite, and pricing. Understanding the differences is crucial for securing the most competitive and suitable funding.

High-Street Lenders

High-street banks are often the first point of call for many borrowers due to their brand familiarity and attractive interest rates. However, their criteria can be more rigid, and they may not accommodate complex property types, non-standard income profiles, or unique business models.

Specialist Banks & Private Lenders

Specialist lenders provide greater flexibility and often have a deeper understanding of niche markets, complex income structures, and unusual property types. They are well-suited to borrowers who require a more customised approach or whose cases may not meet the stricter parameters of mainstream banks. Private lenders offer an additional layer of flexibility, often providing bespoke arrangements for high-value transactions or sophisticated investment strategies.

With access to both mainstream and specialist lenders, our advisers will look to match you with the most suitable solution—attempting to secure terms that align with your commercial goals.

Your property may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate some forms of buy-to-let and commercial mortgage.

Why Choose Private Finance to Secure your Mortgage

Why Choose Private Finance
to Secure your Mortgage

Independent. Experienced. Connected.

Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.

Our Proven Process

Frequently Asked Questions

Deposits typically range from 20% to 40%, depending on the lender’s criteria, the property type, and the financial strength of the borrower.
Most commercial mortgages run for 5–25 years, while bridging loans offer short-term finance typically lasting from 1–24 months.
Yes, commercial rates are generally higher due to the increased risks associated with business income and commercial property valuations.
It is possible, though lenders may require detailed financial forecasts and a larger deposit to mitigate the higher perceived risk.
No. Many mainstream lenders are cautious, so specialist lenders are often more flexible.
While not essential, using a specialist broker gives you access to a wider range of lenders—including those who do not deal directly with the public—and increases your chances of securing favourable terms.
Most commercial and investment mortgages fall outside FCA regulation, although certain mixed-use and consumer buy-to-let mortgages may be regulated depending on circumstances.

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Bespoke Mortgage Requirements?

Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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