Office building

Commercial Finance

Finance for commercial property

Whether you are looking for your own business premises or seeking to diversify your investment portfolio, our commercial mortgage team work with both high-street and specialist lenders to help you achieve your aims.

A commercial mortgage is secured against commercial premises. This may be fully commercial (such as a factory or warehouse) or semi-commercial (such as a shop with a flat above it or a residential property that is also used for commercial reasons).

Building being constructed

Commercial mortgages can be used for:

  • Buying property
  • Investment finance
  • Property development
  • Refurbishing owner-occupied business premises
  • Buying vehicles/machinery/other equipment to grow your business

Case Studies

Competitive ‘pound for pound’ remortgage

A client was looking for a competitive ‘pound for pound’ remortgage on a semi-commercial property owned by their limited company. It consisted of four flats with a café on the ground floor. Our close relationships with specialist lenders meant that we were able to source an exclusive 5-year fixed product for our client, saving them around £2,500 per month. The application proceeded swiftly, going from application to offer in just over three months. (October 2023)

Consultant: Justine Desport

Semi-commercial title split

A client approached us about a semi-commercial property that was in the process of having the title split to separate the commercial element from the residential. Despite the recent letting of the commercial element on a new 10-year lease, we were able to arrange commercial finance at 70% LTV and a separate 75% LTV HMO mortgage for the residential element, giving the client a far better overall rate than they would have done on a semi-commercial basis. (September 2023)

Consultant: Ben Tyler

Bed & Breakfast purchase

Our clients wanted to fulfil their long-term ambition of purchasing and running a seaside Bed & Breakfast. With a deposit from the sale of the clients’ current home, a strong business plan and trading accounts from the business being purchased, we were able to work with one of our commercial lenders to arrange a bespoke repayment mortgage up until our clients’ chosen retirement age in much later life, plus a relationship manager to provide them with ongoing support. (August 2023)

Consultant: David Horn

Contact Details

Trading office: Building Eight, Watchmoor Park, Camberley, Surrey, GU15 3YL

Registered in England No. 5695802

Tel: 0800 170 1888