Specialist finance for commercial property purchases, business premises, investment properties, and mixed-use buildings. We work with lenders who understand commercial property and business financing needs.
Commercial property finance differs fundamentally from residential mortgages. Assessment criteria, documentation requirements, and lender appetite vary significantly. We work with lenders who specialize in commercial lending.
Commercial mortgages are assessed entirely differently from residential. Lenders focus on property income potential, business viability, and commercial lease terms rather than personal affordability alone.
Key differences:
Commercial property lenders employ underwriters who understand business dynamics, commercial property markets, and investment property assessment.
What specialists offer:
Different commercial property types and uses require different lender approaches. We work with lenders experienced in various commercial property categories.
Your business premises
Finance for purchasing premises for your own business use. Lenders assess your business income and ability to service the loan from trading profits.
Buy-to-let commercial
Finance for purchasing commercial property to let to business tenants. Rental income and tenant quality key assessment factors.
Commercial with residential
Properties combining commercial and residential elements. Specialist lenders who understand dual-use property assessment.
Primarily residential with commercial
Properties that are primarily residential but have small commercial elements. Requires lenders comfortable with this structure.
Specific-use properties
Commercial properties with specific uses requiring specialist lender understanding and sector knowledge.
Build and conversion
Finance for commercial property development, conversion, or substantial refurbishment projects.
Estimate your commercial property affordability and loan terms
Business property affordability and investment yield calculations
Commercial rates typically 4.5% - 7%
Click each section below for comprehensive information on how lenders assess different commercial property types and financing structures.
Understanding how commercial property finance differs from residential mortgages helps you prepare for the application process and set realistic expectations.
Prime locations with strong tenant demand attract better terms. Specialist or niche commercial uses may face more conservative lending terms than mainstream commercial property.
Strong trading businesses or quality commercial tenants significantly improve lending terms. Financial strength directly impacts available loan-to-value ratios and interest rates.
Lenders consider long-term viability and exit options. Properties with strong alternative uses or good marketability generally attract more favorable lending terms.
Commercial mortgage applications typically take longer than residential mortgages. Allow 8-12 weeks from application to completion for straightforward cases. Complex commercial scenarios, specialist properties, or development finance may require longer timescales. Business account preparation, commercial valuations, and legal work all require more time than residential transactions.
Speak to our commercial property finance team about business premises, investment properties, mixed-use buildings, or any commercial property scenario. We work with lenders experienced in commercial property finance.