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.
Initial consultation free · CeMAP-qualified advice · UK-wide · Read our reviews on Trustpilot ↗
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.
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.
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 16 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.