Commercial Mortgages
Commercial Property Finance
Whether you are acquiring business premises, investing in commercial real estate, or expanding your property footprint, we source and structure the right funding for your situation.
Our Services
What we can help with
Office Purchases
Funding for professional premises including offices, serviced suites, and purpose-built commercial buildings for owner-occupiers and investors.
Retail & Industrial
Finance for retail units, warehouses, light industrial units, and trade counters — whether acquiring, expanding, or consolidating.
Mixed-Use Property
Specialist lending for properties that combine commercial and residential use, such as a ground-floor shop with flats above.
Owner-Occupier Finance
Tailored mortgage solutions for businesses looking to purchase the premises from which they operate, removing reliance on a landlord.
What Lenders Assess
Key considerations
Commercial mortgage underwriting differs significantly from residential lending. Understanding what lenders evaluate helps you prepare a strong application.
Business Trading History
Lenders typically want to see a track record of trading, usually two to three years of accounts, to assess affordability and business stability.
Deposit Requirements
Commercial mortgages generally require a larger deposit than residential products — typically 25% to 40% of the property value, depending on the lender and risk profile.
Rental Coverage
For investment properties, lenders will stress-test the rental income against the mortgage interest to ensure the property is commercially viable.
Get Started
Ready to get started?
Speak to one of our advisers — no obligation, no jargon.