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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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Introduction to Portfolio Mortgages for Landlords For landlords with multiple buy-to-let properties, managing individual mortgages can quickly become time consuming and complex. A portfolio mortgage offers a smarter, streamlined solution bringing multiple properties...
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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.
