Commercial mortgages
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Bridging and development finance experts
BTL and commercial mortgages
30 years' experience in banking and finance
Access to 150+ lenders
What is a commercial mortgage?
How do commercial mortgages work?
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A commercial mortgage is a long-term loan secured against a commercial building such as an office building, restaurant, industrial/commercial warehouse or retail shop.
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Semi-commercial mortgages are also available for properties with mixed use, such as a shop with residential flats above.
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Owner-occupied commercial mortgages are used when your own business occupies the premises.
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Investment commercial mortgages are used when you are the landlord, with tenants occupying the property on commercial leases.
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Lenders will usually lend up to 70% on a commercial property, sometimes 75%.
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Available up to a 30-year term.
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Interest-only and Repayment options are available, with fixed terms usually up to 5 years.
Featured case study: Film & Media
A film & media company based in Oxfordshire was desperately in need of funds as nearly all scheduled shoots had either been cancelled or postponed due to the pandemic. They had already purchased all the necessary equipment and materials for the sets and their cashflow was suffering as a result.
With no income due whatsoever for the next 4 months, these were scary times for the business. In just over a week, we were able to get them funded with an £80k CBILS facility at just 5% per annum (and with nothing to pay for the first 12 months) to keep them ticking over, cover equipment costs and see them through until their next scheduled shoots. The client was ecstatic and felt that the business would now make it through this uncertain time.
