Frequently Asked Questions (FAQs)
1. What is a commercial mortgage?
A commercial mortgage is a loan secured against property used for business purposes or investment. This can include office buildings, retail units, warehouses, industrial sites, mixed-use properties, and semi-commercial premises.
Unlike residential mortgages, commercial mortgages are assessed primarily on the property’s income potential and the strength of the business or borrower.
2. Who can apply for a commercial mortgage in the UK?
We work with:
Limited companies (Ltd)
LLPs
Sole traders
Partnerships
Property investors
SPVs (Special Purpose Vehicles)
Overseas investors (subject to criteria)
Each application is assessed on its own merits.
3. How much can I borrow?
Loan sizes typically start from £100,000, with no strict upper limit depending on the lender and security.
Most lenders offer between 65% and 75% Loan-to-Value (LTV), although higher LTVs may be possible in certain circumstances.
4. What types of property do you finance?
We arrange funding for:
Offices
Retail shops & shopping parades
Industrial units & warehouses
Semi-commercial properties
Mixed-use buildings
Multi-unit blocks (MUFBs)
HMOs (subject to licensing)
Hospitality properties
Healthcare & professional premises
If your property is unusual, we can explore specialist lenders.
5. What interest rates can I expect?
Commercial mortgage rates in the UK vary depending on:
Loan size
LTV
Property type
Borrower profile
Market conditions
Rates are typically higher than residential mortgages due to increased lender risk. We source competitive options from a panel of lenders.
6. What documents are required?
You will typically need:
Last 2–3 years’ accounts (if trading business)
Bank statements
Asset & liability statement
Property details
Lease information (if applicable)
ID and proof of address
Business plan (for new ventures)
We provide a tailored checklist after your initial enquiry.
7. Do you offer refinancing?
Yes.
We can assist with:
Rate switching
Capital raising (equity release)
Debt consolidation
Portfolio refinancing
Bridge-to-term finance
Refinancing can help release capital for expansion or improve cash flow.
8. Why choose us?
Access to high street and specialist lenders
Bespoke funding solutions
Straightforward advice
Experienced UK commercial finance specialists
Support from enquiry to completion
We focus on structuring finance that supports your long-term business and investment goals.