Mortgages
Commercial mortgages
Shops, offices, industrial units and mixed-use buildings — to trade from yourself, or to let out as an investment.
Commercial lenders look closely at the property, the lease and the business behind it. Whether you're buying the premises your business trades from or adding a tenanted unit to your portfolio, a well-presented case makes all the difference.
As members of the National Association of Commercial Finance Brokers (NACFB), we have access to the high-street banks, challenger banks and specialist lenders that work in this space, and we know how each one likes a case put together.
Owner-occupied or let
We'll show you how lenders assess trading accounts against rental income, and which route suits your situation.
Lease matters
Tenant strength, lease length and break clauses all affect what a lender will offer — we look at them first.
Joined-up thinking
Commercial purchases often need bridging, development or insurance too. We arrange the whole picture.
FAQs
Commercial questions
How much deposit does a commercial mortgage need?
Usually between 25% and 40%, depending on the property type, the lease and the strength of the business or tenant.
Is a commercial mortgage regulated?
Most commercial lending to businesses and limited companies is not regulated by the FCA. Some semi-commercial lending can be — we'll always tell you which applies.
Talk to an adviser
A free, no-obligation chat about where you are and where you'd like to be. We'll tell you honestly what's possible.