Commercial Mortgages for Property Investors
Long-term finance for commercial and semi-commercial property. Rates from 5.5% p.a., terms up to 25 years, LTVs up to 75%.
Rate
From 5.5% p.a.
LTV
Up to 75% LTV
Term
3-25 years
What Is a Commercial Mortgage?
A commercial mortgage provides long-term finance for purchasing, refinancing, or releasing equity from commercial property. Unlike residential mortgages, commercial lending is assessed on a combination of property income, tenant strength, lease terms, and the borrower's financial position.
Commercial mortgages suit a wide range of property types including offices, retail units, industrial warehouses, mixed-use buildings, and semi-commercial properties (such as a shop with a flat above). Terms range from 3 to 25 years with either fixed or variable rates.
Owner-Occupied vs Investment
Commercial mortgages fall into two categories. Owner-occupied facilities are for businesses purchasing their own premises — the property is used to trade from rather than let out. Investment commercial mortgages fund the purchase of property let to tenants.
Lender appetite and terms differ between the two. Investment properties with strong tenants on long leases typically achieve better rates and higher leverage. Owner-occupied lending depends more on the trading strength of the business.
Typical Use Cases
When to Use Commercial Mortgages
Office Acquisitions
Purchase office space for your business or as a tenanted investment.
Retail & High Street
Shops, restaurants, and retail units — both single assets and small portfolios.
Industrial & Warehousing
Warehouses, light industrial units, and logistics facilities with strong rental demand.
Refinancing & Equity Release
Remortgage existing commercial holdings to release capital or secure better terms.
How It Works
The Commercial Mortgages Process
Requirements Review
Property type, value, income, your financial position, and intended use.
Market Search
We search our whole-of-market panel for the best terms matching your profile.
Application
Full application with financials, tenancy schedules, and property details.
Completion
Valuation, legal process, and drawdown — typically 6-10 weeks.
Common Questions
Commercial Mortgages FAQ
What deposit do I need for a commercial mortgage?
Can I get a commercial mortgage for a mixed-use property?
What are typical commercial mortgage rates?
How long does a commercial mortgage take to arrange?
Commercial Mortgages by Location
We arrange commercial mortgages for projects across the UK. Here are some of our most active areas.
Expert Guides
Commercial Mortgages Guides
In-depth guides to help you navigate commercial mortgages — from application to completion.
HMO Conversion Finance: A Complete Guide for Developers
HMO conversions can deliver rental yields of 8-12% - significantly above standard BTL returns. But financing them requires specialist lenders who understand licensing, planning, and the operational model.
10 min read readCommercial Mortgages in the UK: A Complete Guide
Everything you need to know about commercial mortgages in the UK - from eligibility criteria and rental coverage ratios to how lenders value multi-let properties and what lease length matters.
4 min read readMarket Downturns and Development Finance: Strategies for Survival
Practical strategies for developers managing financed projects during a property market downturn, covering value protection, sales strategies, lender management, and restructuring options.
13 min read readCommercial Property Valuation Methods: Yield, Comparable and DCF
Commercial properties are valued differently from residential. This guide explains the three primary methods used by RICS valuers and lenders, with worked examples showing how each produces different results.
11 min read readDevelopment Finance for Conversions: Commercial to Residential Guide
Commercial-to-residential conversions are among the most popular development strategies in the UK. This guide covers how to finance them, from permitted development to full planning applications.
10 min read readRelated Services
Most deals use a combination of products. These services are commonly used alongside commercial mortgages.
Development Exit Finance
Short-term funding to repay development finance while you sell completed units.
From 0.55% p.m. · Up to 75% LTV
Bridging Loans
Short-term finance for acquisitions, auction purchases and time-sensitive deals.
From 0.55% p.m. · Up to 75% LTV
Refurbishment Finance
Funding for light and heavy refurbishment projects including conversions.
From 0.65% p.m. · Up to 75% LTV
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Your Project?
Submit your deal and receive indicative commercial mortgages terms within 24 hours. No obligation, no fees until we deliver.