Commercial
Buy to Let
Bridging
Asset Finance
DevelopmentCommercial lending for business.
Purchase, refinance or release capital from commercial property, with a broker who knows every lender on the panel.
About commercial lending
The building matters. So does the business behind it.
A commercial mortgage is secured either on premises a business trades from or on property let to a commercial tenant. The distinction runs through everything that follows: which lenders will look at the case, what they test, and how far they will stretch.
For owner-occupiers, a commercial mortgage is priced on the business as much as the building: lenders look at trading accounts, the sector and how comfortably the profits cover the repayments. For investors, the focus shifts to the tenant, the lease and the rental income the property produces.
Terms run from three to twenty-five years on a repayment or interest-only basis, and we arrange facilities from £150,000 with no upper limit. Whether you are acquiring a property, refinancing an existing loan or raising capital against a building you already own, the structure is built around what the property and the business can carry.
Every case is handled by one broker from first conversation to drawdown. We prepare the lender pack, manage valuations and legals, and keep you informed at every stage, so the process is as quick and predictable as commercial lending allows.
Commercial · key criteria
- 01Loans from £150,000, with no upper limit
- 02Up to 75% loan to value (65% for leisure)
- 03Terms from 3 to 25 years
- 04Owner-occupiers and investors
- 05Two years’ accounts for trading businesses
FAQs
Common questions about commercial lending.
What can a commercial mortgage be used for?
Buying premises for your own business, purchasing an investment property let to a commercial tenant, refinancing an existing commercial loan, or raising capital against a property you already own, whether for expansion, consolidation or another purchase.
How much can I borrow?
Up to 75% of the property value, or 65% on leisure property. The ceiling is the same for owner-occupiers and investors; what differs is the affordability test. For owner-occupiers that means the business’s profits comfortably covering the repayments; for investors it is the rent covering the interest by a set margin.
What deposit do I need?
Typically 25–35% of the purchase price — 25% at the 75% ceiling, more on leisure and other sectors with a tighter cap. It also varies with the strength of the covenant and the loan size, and additional security can sometimes reduce the cash deposit.
How long does it take?
An indicative illustration takes minutes here. A lender’s own written terms usually follow within a few days, and a full offer in four to eight weeks depending on the valuation and legal work — we manage both to keep things moving.
Do you arrange finance for semi-commercial property?
Yes. Mixed-use property (a shop with flats above, for example) has its own lenders and criteria, and we treat it as a product in its own right.
Will you charge a fee?
We are a credit broker, not a lender, and may receive commission from the lender that varies by lender and product. The nature of any commission model will be confirmed to you before you proceed.
Lender panel
The right lender, not the nearest one.
- HSBC
- NatWest
- Nationwide
- Shawbrook
- HTB
- Cambridge & Counties Bank
- Allica Bank
- + many more across the market
*We have access to the lenders shown, among others.
Other lending
Finance across the whole commercial market.
Commercial mortgages
Bring us the building. We’ll find the lender.
Tell us about the building and the business, and we will tell you which lenders are worth approaching.
No credit check. No obligation.
- 1
Price the case
Property value, the loan you need, and the rent or trading profit behind it.
- 2
Check the criteria
LTV, cover ratio and the sector cap, read off the live rate card.
- 3
Approach the panel
A shortlist of lenders, then one broker through to drawdown.