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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.
£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
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.