Commercial Mortgages
Long-term property finance for owner-occupier trading premises and commercial property investments.
A commercial mortgage is a long-term borrowing facility secured against commercial property, designed for purchasing new business premises, refinancing existing property debt, or unlocking capital from property equity.
Indicative commercial parameters aligned with Bank of England base rate environments and British Business Bank 2026 SME Finance Market standards. Final facility size, security requirements, and terms are determined solely by the underwriting criteria of the relevant third-party commercial lender. Available exclusively to active UK entities on the Companies House register.
Understanding commercial mortgages.
Commercial property finance spans owner-occupier mortgages (where your company trades from its own office, factory, or warehouse instead of paying rent to a third-party landlord), commercial investment mortgages (for tenanted properties generating commercial rental yields), and semi-commercial properties (mixed-use retail units with residential upper floors).
Terms typically extend from 5 to 25 years with loan-to-value (LTV) ratios up to 75%, providing stable, long-term security for growing UK enterprises.
BusinessLending.uk is an introducer, not a lender. We do not provide personalised financial advice. Nothing on this page is advice, an offer, or an indication that finance will be available to your business.
Real businesses, real timing, real trading patterns.
Whether it fits, and how it can be built.
General indicators only. Providers set their own criteria and reach their own decisions.
This may be worth exploring if…
- Your company wants the long-term capital appreciation and security of owning its trading base
- You have a property deposit of at least 20% to 30% available from cash reserves or asset equity
- Your business trading accounts demonstrate sufficient operating profit to cover repayments comfortably
- You are a commercial property investor seeking competitive yields supported by solid tenant leases
Common structures within the category
- 01
Owner-Occupier Commercial Mortgage
For premises your company trades from directly. Underwritten on your business's operating profits and Debt Service Coverage Ratio (DSCR).
- 02
Commercial Investment Mortgage
For commercial real estate let to third-party tenants. Underwritten primarily on rental yields, lease covenants, and the tenant's financial standing.
- 03
Semi-Commercial / Mixed-Use Mortgage
For hybrid properties (e.g. ground-floor retail or restaurant with residential apartments above), combining commercial and residential yield assessments.
Discuss your commercial mortgages requirement.
Tell us the purpose, approximate amount and preferred timing. We will review the parameters and discuss which finance routes may be relevant.
BusinessLending.uk is a commercial finance introducer, not a lender. No upfront fees. Subject to provider assessment.
What a provider wants to understand before deciding.
- Purpose of the funding and how it supports the business
- Trading history and turnover
- Profitability and repayment capacity
- Existing borrowing and commitments
- Credit profile of the business and its directors
- Any security available, including personal guarantees
- RICS commercial valuation report detailing market value, reinstatement cost, and vacant possession value
- Property condition, location, tenure (freehold or long leasehold), and planning use classification
- Quality of commercial leases, unexpired lease term (WAULT), and tenant covenant strength
Costs vary by provider, product, amount, term and the risk presented. We do not quote rates on this website because pricing is set by the provider following their own assessment. Some facilities are unsecured; others require security over an asset, a debenture, or a personal guarantee. Any costs, fees and security requirements are set out by the provider in writing before you commit.
Documents worth having to hand
Checklist- Latest filed accounts
- Recent management accounts, where available
- Three to six months of business bank statements
- A short summary of what the funding is for
- Details of existing finance agreements
- Property details, sales particulars, or title deeds
- Existing commercial tenancy agreements, schedule of rents, and lease terms (for investment properties)
- Recent independent RICS commercial valuation report (if available)
Nothing here is mandatory before you contact us — it simply makes the first conversation more productive.
Commercial Mortgages — frequently asked
Straightforward answers on how commercial mortgages works for UK limited companies, typical lender criteria, and what to prepare before enquiring.
Every business and enquiry is distinct. If you have a specific question, our team is happy to talk through your circumstances without obligation.
Discuss your funding requirementRelated finance routes
Commercial Bridging Loans
Fast, flexible, short-term property finance for auction purchases, chain breaks, and refurbishment.
£50,000 – £10,000,000+1 to 24 Months (Serviced, Retained, or Rolled Interest)Read the route
Property Development Finance
Ground-up construction loans, heavy conversions, and development exit facilities across the UK.
£150,000 – £30,000,000+12 to 36 Months (Staged drawdowns in arrears)Read the route
Business Loan & Debt Refinancing
Restructure existing borrowing, consolidate multiple facilities, and reduce monthly debt costs.
£25,000 – £10,000,000+12 Months to 15 Years (Depending on asset backing)Read the route
Plan for what matters most.
Explore Will Writing, Lasting Powers of Attorney and Trusts, with guidance on taking the right next step for your circumstances.
Our commercial finance introduction service is for eligible UK limited companies. Estate planning enquiries are handled separately.
01View serviceWill Writing
Explore how to document who should inherit your estate, who should act as your executors, and how your wishes should be carried out.
02View serviceLasting Powers of Attorney
Understand how to appoint trusted people to make property and financial or health and welfare decisions on your behalf where the applicable law allows.
03View serviceTrusts
Learn about the broad purpose of trusts and why personalised legal and tax advice is needed regarding suitability, administration, responsibilities and costs.
BusinessLending.uk does not draft legal documents or provide individual legal or tax advice. We can discuss your estate-planning enquiry and, where an appropriate specialist arrangement is available, explain possible next steps. Any specialist introduction requires your agreement.
Talk through commercial mortgages for your business.
Share the purpose, approximate amount and preferred timing. We will review the requirement and discuss possible next steps.
BusinessLending.uk is a commercial finance introducer, not a lender. No upfront fees. Subject to provider assessment.