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Whether you’re buying a business premises, investing in a commercial unit, or expanding your property portfolio, a commercial mortgage could help bring your plans to life. At Option Finance, we offer expert, tailored advice for every type of commercial property purchase.
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Commercial Second Charge Mortgages When it comes to leveraging existing property assets, many landlords, business owners, and commercial property owners overlook one of the most flexible forms of finance available, the commercial second charge mortgage. Whether you’re...
Commercial Mortgages A commercial mortgage is a type of secured loan used to purchase or refinance property that is intended for business or investment purposes. A business mortgage is a specific type of commercial loan aimed at financing commercial properties used...
Commercial Mortgages for Care Homes Investing in a care home is a significant commitment, but for the right buyer, it offers long-term stability, strong yields, and a chance to contribute to a growing social need. Whether you’re a seasoned investor expanding your...
Commercial Buy to Let Mortgages If you’re an investor looking to diversify your portfolio beyond traditional residential buy-to-let, you may consider adding investment property or buy to let property to your assets. A commercial buy-to-let mortgage is typically used...
Bridging Loans A bridge loan is a short-term financing option used to cover the period between buying a new property and selling an existing one, providing secured funds to facilitate property purchase transactions. Bridging loans are a powerful short-term funding...
What Are Bed and Breakfast or Guest House Mortgages? If you’re looking to purchase or refinance a bed and breakfast or a guest house, or small hospitality business, a standard buy-to-let mortgage won’t cut it. You’ll need a specialist mortgage designed for commercial...
Auction Finance Buying a property at auction can be an exciting and cost-effective way to snap up a bargain, but it’s not for the faint-hearted. If you’re considering buying a home, investment property, development opportunity, or other auction properties,...
At Option Finance, technology doesn’t replace the personal touch—it enhances it. We use smart tools to handle the admin, so our team can focus on what really counts: listening to your story, understanding your needs, and securing the mortgage that’s right for you. Real people. Real support. No shortcuts.
At Option Finance, we specialise in mortgages for complex credit scenarios. Our team works with all major bad credit lenders and has access to exclusive deals that aren’t available on the high street.
Understanding one’s credit report from a credit reference agency can help in securing a mortgage.
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A commercial mortgage is a loan secured against a non-residential property typically used to buy business premises, invest in commercial buildings, or fund property development.
Every commercial property is unique, so lenders assess applications on a case-by-case basis. Terms can range from 3 to 25 years depending on the property and your financials.
Applying for a commercial mortgage is more complex than a standard residential loan. That’s why we recommend speaking to one of our commercial mortgage specialists first.
To apply, you’ll typically need:
Each lender has their own criteria, but generally you’ll need:
If you’re a new business, we can still explore options—some lenders accept personal guarantees.
Used when you plan to trade from the property. Ideal for businesses wanting stability and control over their premises.
Designed for investors buying property to lease out. If the building includes residential units (e.g. a flat above a shop), you’ll likely need a semi-commercial mortgage.
For landlords renting to businesses. Lenders assess the lease terms, rental income, and quality of tenants. We help match you with lenders that suit your property and goals.
If you manage multiple properties, a portfolio mortgage can combine them under one account simplifying your payments and leveraging equity across the portfolio.
If you’re letting a House in Multiple Occupation (five or more tenancies), you’ll need an HMO mortgage especially for large licensed HMOs. We work with lenders who understand this niche.
Commercial mortgage products are more complex than residential ones. Many lenders only work via brokers and commercial advisors like us know exactly how to package your application to maximise approval chances.
From business premises to investment units, our experts will guide you through every step saving time, money, and unnecessary stress.
Whether you’re buying your first unit or refinancing a commercial portfolio, Option Finance is here to help you secure a mortgage that fits your business goals.
