Owner-Occupied Business Premises
Buy the building your business trades from. Stop paying rent and build equity, with a mortgage cost often comparable to or lower than a commercial lease.
Owner-occupied premises, commercial investment, semi-commercial and mixed-use property. Specialist commercial mortgages where the lender's view of your business and the property both matter.
A commercial mortgage is a loan secured against a commercial or semi-commercial property. Whether you're a business buying its own premises or an investor acquiring commercial property for rental income, we access the whole market to find the most suitable and competitive terms.
Owner-occupied finance for businesses buying the building they trade from, with terms up to 25 years.
Retail units, offices and industrial properties let to tenants, assessed on rental income and yield.
Properties combining commercial and residential elements, specialist lenders who understand the nuances.
Fixed, variable and tracker rate options with loan terms tailored to your investment strategy and cash flow.
Commercial mortgages are used by business owners, investors and portfolio landlords across a wide range of property types. Here are the most common scenarios we handle.
Buy the building your business trades from. Stop paying rent and build equity, with a mortgage cost often comparable to or lower than a commercial lease.
Retail units, offices and industrial properties let to tenants for rental income. Lending is assessed on the property's rental yield and tenant covenant strength.
Properties combining commercial and residential elements, such as a flat above a shop. Specialist lenders understand the dual-income nature of these assets.
Consolidate or restructure a commercial property portfolio onto better terms. We review your existing facilities and identify opportunities to reduce rates or release equity.
Logistics, manufacturing and storage facilities. Strong demand from occupiers makes industrial property a popular investment, we find lenders who understand the sector.
Hotels, pubs, restaurants and leisure facilities. Trading business mortgages require specialist lenders, we have strong relationships across the hospitality sector.
We discuss your property, business objectives, required loan amount and preferred terms to establish exactly what you need from a commercial mortgage.
We search our whole-of-market panel of commercial lenders, from high street banks to specialist challengers, to identify the most competitive and suitable options.
We present you with a shortlist of indicative terms and recommend the best option. Once agreed, we submit the formal application on your behalf.
The lender commissions a commercial valuation and solicitors are instructed. We manage the process and keep all parties moving at pace.
Funds are released on completion. We remain on hand to review your mortgage at renewal and ensure you're always on competitive terms.
Commercial mortgages typically require a deposit of 25–35%, meaning lenders will advance up to 65–75% LTV. The exact deposit required depends on the property type, the strength of the business or tenant, and the lender's appetite. Some specialist lenders may consider higher LTVs with additional security.
Commercial mortgages typically take 4–12 weeks to complete, depending on the complexity of the case, the lender's process and the speed of the commercial valuation. Straightforward owner-occupied cases with strong trading accounts tend to be quicker than complex investment or mixed-use transactions.
Commercial mortgages cover a wide range of property types including retail units, offices, industrial premises, warehouses, hospitality venues (pubs, hotels, restaurants), mixed-use and semi-commercial properties. Lenders assess each property type differently based on occupier demand and rental yields.
Yes, the majority of commercial mortgage lending is structured through limited companies or Special Purpose Vehicles (SPVs). This is often the preferred structure for tax efficiency. Lenders will assess the company's accounts, trading history and, in many cases, require personal guarantees from the directors.
A semi-commercial mortgage is used to finance a mixed-use property that has both a commercial and a residential element, for example, a shop with a flat above it. These require a specialist lender as the property doesn't fit neatly into either a residential or purely commercial category. We have strong relationships with lenders who specialise in this area.
Requirements vary by lender and case type, but typically include: 3 years' business accounts or SA302s, a business plan (for owner-occupied applications), details of the property, tenancy schedules (for investment purchases), personal financial statements and ID. We'll provide you with a tailored checklist at the start of the process.
Commercial cases are won on the way they are packaged. Here is how we approach yours.
Lenders fund the building, but they price the business behind it. We package the trading accounts and the deal so the underwriter sees the same picture you do.
Beyond the high street into specialist commercial banks, challenger banks and private funds with appetite for owner-occupied, semi-commercial and investment property.
If a different structure (bridge to term, OpCo PropCo, second charge) makes more sense than a straight commercial mortgage, we will tell you. The right deal beats the headline rate every time.
Tell us about the property, the use and the trading business. We come back with realistic options before you speak to anyone.
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