Commercial mortgages
Commercial mortgages
Longer-term lending to buy or refinance the premises your business trades from. Available from around £25k to £5m+ through our panel of specialist lenders.
A commercial mortgage is a longer-term loan secured against commercial premises.
Good for
How it works
- 1
Tell us the plan
What you need, roughly how much and what it is for. No essays required.
- 2
We search our lender panel
We match your business with specialist lenders and explain the options in plain English.
- 3
You decide
Like an option? We help you see it through. If not, no hard feelings and no obligation.
The detail
So what exactly is it?
A commercial mortgage is a longer-term loan secured against commercial premises. Many businesses use one to buy the building they trade from instead of renting, or to refinance premises they already own. Repayment terms are generally longer than most other business finance.
What can it be used for?
- Buying an office, shop, unit or clinic
- Buying a restaurant, pub or hotel
- Refinancing an existing commercial loan
- Releasing capital from premises
- Buying mixed-use premises
- Moving to larger premises
What we'll need from you
- Details of the premises and how the business will use them
- Business accounts and recent management figures
- Details of existing borrowing on the premises
- Information about the directors or owners
- The amount you want to borrow and preferred term
- Proof of your contribution where relevant
Questions
Can a business buy the premises it trades from?
Yes, owner-occupier commercial mortgages are designed for exactly this. Lenders will look at the business's trading performance as well as the premises.
Can you get a commercial mortgage on mixed-use premises?
Many lenders consider mixed-use premises, such as a shop with a flat above, where the property is held for business or investment purposes and no one connected to you lives there. We can match your premises to suitable lenders.
Do you need a deposit?
Most lenders will expect a contribution from you. The amount varies by lender, premises and circumstances, and we will talk this through with you.
Is a commercial mortgage regulated?
We only arrange unregulated commercial mortgages for business purposes, such as premises bought by a limited company or used for your business. We can't help with regulated mortgages or any loan secured on a home you or a family member live in.
Business finance only. We only help with unregulated, business-purpose lending, for example to limited companies or for business use. We can't help with regulated mortgages, consumer credit or loans secured on a home someone lives in.
Also see: Business loans · Working capital and cash flow finance · Invoice finance · Asset finance · Bridging finance · Development finance
Ready when you are.
Get a free, no-obligation quote. Finance subject to status.