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.
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
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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.