Why buy the building your business pays for anyway?
If your business rents its premises, every month's rent builds someone else's equity. A commercial mortgage turns that same outgoing into ownership: repayments that end, an asset on your balance sheet, and no landlord deciding your future rent or your lease terms.
For investors, the same lending buys income - offices, retail and industrial units let to commercial tenants, financed against the rent they produce. Owner-occupied deals are assessed on your trading figures; investment deals on rental cover. Lenders price the two very differently, which is exactly why a whole-of-market search matters.
We package your case for the lenders who like your profile - high-street where the pricing is sharpest, specialist where the property or structure needs flexibility - and an adviser walks you through the options before anything is committed.
What a commercial mortgage covers.
Buying your trading premises
Own the building your business runs from instead of renting it - repayments build equity, not a landlord's.
Commercial investment
Purchase or refinance offices, retail and industrial units let to commercial tenants.
Semi-commercial & mixed-use
Shops with flats above and other part-commercial assets that mainstream lenders shy away from.
Remortgage & capital raise
Refinance an existing commercial mortgage or release equity to reinvest in the business.
How it works
Four steps. No jargon, no waiting rooms.
Tell us what you need
A 30-second enquiry. No credit check to get started.
Terms inside 48 hours
We match your case across 90+ lenders and come back with real numbers.
Track it in your portal
Documents, your portfolio and progress - one place, no email chains.
Funded
We drive the paperwork through to completion. You do the deal.
A typical commercial case
Questions, answered.
Owner-occupier or investment - does it matter?
Yes - lenders price and assess them differently. Owner-occupied deals lean on your business's trading figures; investment deals lean on the rental income and tenant covenant. We arrange both.
How is affordability assessed?
For owner-occupiers, on the business's accounts and trading history; for investments, on rental cover. Either way we package the case so it lands with lenders who like that profile.
Can I get a commercial mortgage through a limited company?
Yes - personal names, trading companies and SPVs are all workable structures, and we'll match lenders to yours.
What does an enquiry cost?
Nothing. An enquiry is free and without obligation, and we'll always explain how we're paid before you proceed.
Talk to a human.
Two minutes to enquire, no credit check to get started. Or skip the form entirely - an adviser answers this number.
020 3861 3469Monday to Friday, 9am - 6pm · Whole-of-market