Commercial Mortgages
Purchase, refinance or raise funds against commercial property.
A commercial mortgage may be used to purchase business premises, refinance an existing facility or raise funds secured against commercial property.
Understanding commercial mortgages.
Lender appetite, valuation, tenancy and repayment capacity all influence which providers may be relevant.
Amworth is an introducer, not a lender. 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…
- The business intends to own rather than rent its premises
- There is a property available to offer as security
- The requirement is longer-term and repayment capacity is demonstrable
Common structures within the category
- 01
Owner-occupier mortgage
For premises the business trades from. Affordability is usually assessed against trading performance.
- 02
Commercial investment mortgage
For property let to tenants. Assessment typically focuses on rental income and lease quality.
- 03
Capital raise against owned property
Releasing funds from equity in a property already held, subject to valuation and purpose.
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
- Property valuation, condition and use
- Tenancy and lease arrangements where applicable
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 We do not quote rates on this website because pricing is set by the provider following their own assessment.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, including tenure and any leases
- A recent valuation, where one exists
Nothing here is mandatory before you contact us — it simply makes the first conversation more productive.
Commercial Mortgages — frequently asked
Related finance routes
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.