COMMERCIAL MORTGAGE ADVICE
Commercial Mortgage Broker: Finance for Business Property
Buying your premises, investing in commercial property or refinancing what you own. Commercial lending has few standard products, so we match your property and sector to the lenders that want them.
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Based in Derby, we work with clients across the UK.
Every commercial lender has a different appetite
A lender that is keen on industrial units may not touch a pub, and the best terms for a care home come from lenders that understand care. We know which lenders want your type of property, so your case goes to the right ones first.
Talk through your mortgage options
Tell us about your plans and circumstances. Your initial consultation is free.
What we finance
Also see hotels, B&Bs, land, second charge loans and bridging finance.
How lenders assess you
| Factor | What they look at |
|---|---|
| The property | Type, location, condition, and how easy it would be to sell or re-let |
| The income | Trading profits for owner-occupiers, rent and lease terms for investors |
| Debt service cover | How comfortably income covers the payments |
| You | Sector experience, assets, liabilities and credit history |
| Deposit | Usually 25% to 40% |
Read our full commercial mortgage guide.
Owner-occupied or investment?
| Owner-occupied | Investment | |
|---|---|---|
| Who uses it | Your own business trades from the property | Let to business tenants |
| What repays the loan | Your trading profits | The rent |
| What lenders check | Accounts, profit and how well it covers the payments | The lease, the tenant and how well the rent covers the payments |
| Watch out for | Recent dips in profit and new businesses | Short leases, break clauses and weak tenants |
Illustration only. An investor buys a shop let at £24,000 a year with eight years left on the lease, for £320,000. A lender offers 65%, £208,000, over 20 years at 7%. Payments are about £19,350 a year, so the rent covers them about 1.24 times. A lender wanting 1.25 cover might trim the loan slightly or ask for a bigger deposit.
What to have ready
- Owner-occupiers: two to three years of business accounts, management figures for this year and a short business plan.
- Investors: the lease or leases, the rent roll and details of the tenants.
- Portfolios: a schedule of every property with its value, rent, mortgage balance and current lender.
- Everyone: a statement of your assets and liabilities, ID, and details of the deposit and where it comes from.
Having this ready before you apply saves weeks. Lenders and valuers move faster when the case arrives complete.
A recent case
83 buy-to-let properties refinanced into one £4.6 million commercial loan. Our client, a limited company landlord, owned 83 rental properties across the north of England, worth around £7.1 million. Every property had its own mortgage, so remortgage dates were coming up all the time. We moved the whole portfolio onto a single commercial facility of £4.6 million, about 65% loan-to-value, with one monthly interest-only payment. The lender wanted a full schedule of every property, down to the current lender on each one, so much of the work was getting that information complete and accurate. From first conversation to completion took six months.
Shared with no personal details. Every case is different and terms depend on the lender.
How it works
- Free consultation. Your business, the property and what you need.
- Lender sourcing. High street, challenger and specialist commercial lenders matched to your sector.
- Indicative terms. Outline amount, rate, term and conditions before you commit.
- Application and valuation. We prepare the case, accounts and projections, and manage the commercial valuation.
- Credit approval, legal work and completion. Typically 6 to 12 weeks in total.
Our broker fee
Your initial consultation is free. Commercial and bridging cases vary in size and complexity, so we confirm our fee in writing before you proceed. Lender, valuation and legal fees are additional.
Commercial Mortgages FAQs
What is a commercial mortgage?
A loan secured on property used for business, either premises you trade from or property you let to business tenants.
How much deposit do I need?
Usually 25% to 40%. Some lenders offer up to 75% or 80% loan-to-value for strong owner-occupied businesses.
What property can you finance?
Offices, shops, industrial units, warehouses, mixed use, pubs, restaurants, hotels, B&Bs, care homes and land, through lenders that specialise in each sector.
Can a new business get a commercial mortgage?
It is harder. Some lenders consider new businesses with sector experience, projections and a larger deposit.
How long does a commercial mortgage take?
Typically 6 to 12 weeks. Bridging can be used if you need to complete faster.
Are commercial mortgages regulated?
Usually not. Semi-commercial property where you or family live in the residential part can be regulated.
Can I move a buy-to-let portfolio onto one commercial loan?
Often, yes, for larger portfolios held in a limited company. One facility can replace many separate mortgages and remortgage dates. Lenders will want a full schedule of every property, its value, rent and current lender.
Can a commercial mortgage be interest-only?
Some lenders offer interest-only for all or part of the term, most often on investment property with a strong rent cover and a clear plan to repay.
Are commercial mortgage rates fixed or variable?
Both are available. Many lenders price variable rates as a margin above the Bank of England base rate, and some offer fixed periods. The margin depends on the property, the income and the loan to value.
Is the first consultation free?
Yes. Commercial cases vary, so we confirm our fee in writing before you proceed.
Ready to discuss your property?
Tell us about the property and what you need. Your initial consultation is free.
Content written and reviewed by Davi Thakar. Last reviewed 26 October 2026. Most commercial mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments. This information is not a personal recommendation.