Commercial Mortgages for Growing Businesses

Commercial mortgages are designed to help businesses of all sizes secure, refinance, or invest in commercial property with confidence.  A commercial mortgage is a long‑term loan secured against business premises or investment property, giving you access to larger sums and more flexible terms than standard business loans. They are suitable for a wide range of clients, including investors building a property portfolio, owner‑occupiers purchasing or refinancing their trading premises and developers funding new projects or refurbishments.

We are able to broker funding for the following property types:

  • Office blocks of all types
  • Warehouses, factories and industrial plants
  • Retail premises and shopping centres
  • Hotels, guest houses and leisure centres
  • School buildings and academic institutions
  • Petrol stations
  • Farm land and land with planning permission for development

Commercial Mortgage Features & Benefits

Our commercial mortgage products are designed to give businesses flexible, transparent funding for property purchase, refinance, or development. We combine competitive pricing with tailored structures that reflect your cash flow, growth plans, and risk profile.

  • Loan-to-Value (LTV) Ranges
    - Typical LTV: 60% – 75% of property value
    - Lower LTV options for specialist or higher-risk assets
    - Higher LTVs may be available for strong covenants and prime locations
  • Typical Term Lengths
    - Standard terms: 3 – 25 years
    - Shorter terms for refinancing or bridging to sale
    - Longer terms available for owner-occupied premises to match business horizons
  • Interest Rate Options
    - Fixed rates for predictable monthly payments and easier budgeting
    - Variable rates linked to a base rate for potential savings when markets move
    - Blended or stepped-rate structures available for phased projects
  • Repayment Structures
    - Capital & interest: gradual debt reduction over the term, building equity in the property
    - Interest-only (where appropriate): lower monthly outgoings, with capital repaid via sale, refinance, or other planned event
    - Flexible amortisation profiles to align with seasonal or project-based cash flows
  • Acceptable Property Types
    - Offices and business parks
    - High street and destination retail units
    - Industrial, logistics, and warehousing
    - Mixed-use schemes (e.g. retail with residential above)
    - Selected specialist assets considered on a case-by-case basis
  • Eligibility Criteria
    - Established trading history or robust business plan for new ventures
    - Demonstrable ability to service repayments from trading income or rental flows
    - Acceptable credit profile and transparent ownership structure
    - Independent valuation and, where required, environmental and legal due diligence
  • Tailored to Your Business & Risk Profile
    - Structures aligned to owner-occupier or investment strategies
    - Options to match loan term with lease lengths for investment properties
    - Covenants and security packages calibrated to your sector and risk appetite
    - Dedicated support to model different scenarios and stress-test affordability

Customer Success Example – Growing Office-Based Firm
A professional services company needed to move from leased space into a larger, owned office. We arranged a 70% LTV, 20-year capital-and-interest mortgage on a fixed rate for the first 5 years. The predictable repayments allowed them to invest confidently in new staff, while steadily building equity in their premises.

Customer Success Example – Retail & Residential Mixed-Use
An investor acquired a mixed-use building with ground-floor retail and apartments above. We structured a 65% LTV facility with an initial 5-year interest-only period, aligned to lease expiries. This kept monthly costs low while the client completed refurbishments and re-let units, before planning to refinance onto a longer-term amortising loan.

Commercial Mortgage Application & Approval Process

Securing a commercial mortgage with us is a clear, structured journey.  It starts with an initial consultation to discuss your goals, property details, and borrowing needs. At this stage, we outline indicative terms and explain what to expect.

To progress your application, we request key information about your business and the property. This typically includes financial statements, management accounts, bank statements, details of existing borrowing, and relevant business plans or forecasts, plus leases, tenancy schedules, planning documents, and basic condition details for the property.  Our team provides a clear checklist so you know what to gather.

Once your application is submitted, we assess affordability by reviewing cash flow, profitability, and resilience to interest rate changes. We consider business performance, sector outlook, and repayment cover and arrange an independent valuation to confirm market value, rental strength and suitability as security.

Timelines range from a few days for initial indications to several weeks for full approval and completion, depending on complexity, valuation and legal work.  Key milestones include application received, documents reviewed, valuation instructed, credit decision and legal completion.

Throughout, dedicated specialists guide the process, clarify requirements, and help resolve issues quickly.  Fees, conditions, and timescales are explained transparently, with a clear point of contact from first enquiry to final drawdown.

Ready to move forward? Contact us for a tailored commercial mortgage quote today.