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Commercial mortgages

Free, no-obligation consultation

No upfront fees

Access funds within 24 hours

25 years' finance experience

Access to 100+ lenders

What is a commercial mortgage?

How does a commercial mortgage work?

  • A commercial mortgage is a loan secured against a commercial building such as an office building, restaurant, industrial/commercial warehouse or retail shop.

  • Commercial mortgages are also available for Buy-to-Let (BTL) properties or house in multiple occupation (HMO) properties.

  • Almost any property that isn’t your personal residence can be used as security for a commercial mortgage loan.

  • Funds can be used to purchase property, refinance an existing loan, or refurbish/develop commercial property. 

  • Available up to a 30-year term.

Retail shop bought with a commercial mortgage

Product overview

 £100,000 – £20,000,000

Low interest rates

Interest is tax-deductible

No fixed rates

Up to 80% LTV

Up to a 30-year term


Client case studies

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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.

How can we help your business?

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Where to find us

Clear Idea Finance

Saracens House

25 St Margaret’s Green

Ipswich, Suffolk


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Copyright © 2021 Clear Idea Finance Limited. Made of Cheddar.

"Clear Idea Finance" and "Clear Idea" are trading names of Clear Idea Finance Limited, registered in England and Wales, company number 12802771. Registered office address: Saracens House, 25 St Margaret’s Green, Ipswich, Suffolk, IP4 2BN. Clear Idea Finance Limited operates in accordance with the Data Protection Act 1998, ICO registration number ZA798967. A commercial mortgage loan is secured against property, which may be repossessed if you do not keep up your loan repayments. Clear Idea Finance Limited acts as a commercial finance advisor and credit broker and not a lender.