A commercial mortgage is a loan secured against a business property or land, rather than a residential home. It works in a similar way to a residential mortgage, but the lending criteria, rates, and structures are quite different, which is where having the right broker in your corner makes a real difference.

Commercial mortgages are typically used to:

• Purchase business premises — offices, retail units, warehouses, factories, or mixed-use properties
• Buy investment property — commercial buildings let to tenants, or semi-commercial properties such as a shop with a flat above
• Refinance an existing commercial property — to release equity, reduce your monthly payments, or move to a better deal
• Purchase land — with or without planning permission, depending on the lender

If you’re building a property portfolio that includes commercial or semi-commercial assets, a commercial mortgage gives you a long-term, stable funding structure. We work with investors at every stage — whether you hold one investment property or twenty.

We understand that portfolio landlords have specific needs: lenders who assess the whole portfolio, not just the individual asset, and products that allow you to grow without restricting your cash flow.

Buying a commercial property for the first time can feel daunting — the process is less standardised than buying a residential property, and lenders assess applications very differently. We take the time to explain every step and ensure you understand your options before you commit to anything.

Being independent means we’re not tied to any one bank or lender. We search the whole market — from high street banks to specialist commercial lenders — to find the deal that fits your situation.

Commercial mortgages are typically available over terms of 3 to 30 years, with loan-to-value ratios generally ranging from 50% to 75% — though this varies depending on the property type, your background, and the lender.

Interest rates can be fixed, variable, or tracker-based, and lenders will assess your application based on a combination of:

• The property itself — type, condition, location, and tenancy
• Your financial position — income, assets, and credit history
• The rental income or trading income generated by the property
• Your experience as a property investor or business owner

Because commercial lending is more bespoke than residential, most deals are assessed individually. There’s no one-size-fits-all answer, which is why working with a specialist broker — rather than going direct to a single lender — typically gets you a better outcome.

We’re an independent commercial finance broker, which means we work for you — not for any bank or lender.

• Whole-of-market access — we work with a wide panel of banks, challenger lenders, and specialist commercial mortgage providers
• Tailored advice — we take the time to understand your goals, not just your immediate borrowing need
• Plain-English guidance — no jargon, no pressure, just clear advice on your options
• End-to-end support — from your initial enquiry through to completion, we manage the process and keep you informed at every stage