Long-term commercial mortgage finance for investment properties, owner-occupied premises, mixed-use assets and semi-commercial buildings across the UK. Whole-of-market access, competitive rates, 48-hour Decision in Principle.
A commercial mortgage is a long-term secured loan used to purchase or refinance a property that is not used as a primary residential dwelling. Unlike a bridging loan — which is short-term — a commercial mortgage provides a stable, long-term funding solution with terms typically ranging from 5 to 30 years.
Commercial mortgages are used by property investors, business owners, developers and portfolio landlords to acquire or retain commercial, semi-commercial and mixed-use assets. They are also commonly used as the exit strategy for bridging loans once a property is stabilised and income-producing.
💡 Using a bridging loan to acquire a property? A commercial mortgage is the most common exit strategy once the asset is tenanted or refurbished. We can arrange both — the bridge and the long-term mortgage — ensuring a seamless transition.
Single and multi-let offices, business parks, and professional premises. Investment and owner-occupied.
Learn more →Shops, retail units, retail parades, and mixed-use assets with ground-floor commercial and upper-floor residential.
Learn more →Light industrial units, warehouses, trade counters, and logistics facilities. Single and multi-let.
Learn more →Hotels, pubs, restaurants, care homes and other trading businesses with property as security.
Learn more →Buildings with both commercial and residential elements — increasingly popular with portfolio investors.
Learn more →HMO mortgages and multi-unit freehold blocks for professional landlords and portfolio investors.
Learn more →| Criteria | Details |
|---|---|
| Minimum Loan | No minimum |
| Maximum Loan | £50,000,000+ |
| Maximum LTV | Up to 75% |
| Loan Term | 5 – 30 years |
| Interest Rate Type | Fixed, variable or tracker |
| Repayment Type | Capital & interest or interest-only |
| Property Types | Commercial, semi-commercial, mixed-use, HMO |
| Borrower Types | Ltd company, LLP, SPV, partnership, individual |
| Owner-Occupied | Yes — business premises accepted |
| Decision in Principle | 48 hours |
Tell us about your property and borrowing requirements. We assess your deal and identify the most suitable lenders from our panel of 50+.
We obtain a DIP within 48 hours — giving you the confidence to proceed before incurring any survey or legal costs.
We manage the full application process, liaising with the lender, valuers and solicitors to keep everything on track.
Funds released on completion. We remain your point of contact throughout and can assist with refinancing at the end of your term.
🏦 Whole-of-market access. We work with 50+ specialist lenders to find the right commercial mortgage for your circumstances.
What is the minimum loan for a commercial mortgage?
We arrange commercial mortgages with flexible loan sizes. There is no maximum — we have arranged facilities in excess of £50 million.
Can I get a commercial mortgage through a limited company?
Yes. The majority of commercial mortgage applications we handle are structured through a limited company, LLP or SPV. We can also assist with offshore structures where required.
How long does a commercial mortgage take to arrange?
A Decision in Principle can typically be obtained within 48 hours. Full completion timescales vary depending on the complexity of the transaction, but we regularly complete transactions within 4–8 weeks.
Can I use a commercial mortgage to exit a bridging loan?
Yes — this is one of the most common use cases we handle. We can arrange both the bridging facility and the subsequent commercial mortgage refinance, ensuring your exit is in place before the bridge term expires.
Is interest-only available on commercial mortgages?
Yes. Interest-only commercial mortgages are widely available, particularly for investment properties with strong rental income. This maximises monthly cashflow while retaining the asset.
What LTV is available on commercial mortgages?
Up to 75% LTV for investment properties. Owner-occupied is typically up to 70% LTV. Higher leverage may be available on a case-by-case basis with specialist lenders.
Whether you are acquiring a new asset, refinancing an existing property, or looking to exit a bridging loan — we can help. 48-hour DIP.
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