Owner occupied commercial mortgages are designed for purchasing or refinancing premises you trade from, such as offices, retail units, warehouses or factories. Lenders' decisions are based on the property type and financial status of your business. This type of mortgage is a cost-effective way to secure your business premises while maintaining cash flow, thanks to their competitive rates and longer terms.

Commercial investment mortgages are used to purchase or refinance properties that are let to tenants, including retail, office and industrial units. Lenders will typically assess affordability based on rental income and lease terms. This type of finance is ideal if you are looking to grow or restructure your commercial property portfolio.

Semi-commercial mortgages are suitable for properties with both commercial and residential elements, such as a shop with flats above. Lenders will consider income from both parts of the property, which can impact borrowing potential. If you are an investor wanting to spread risk in your portfolio, this is a suitable option.

Commercial bridging loans provide short-term funding for situations where speed and flexibility are key, such as auction purchases, refinancing delays or property refurbishments. They are designed to bridge a temporary funding gap and can be arranged quickly. This finance type is best used as a short-term solution with a clear exit strategy in place e.g. refinancing onto a term option.

We work with lenders who will consider all property types. From fully commercial to semi-commercial properties.

Whether you are a start-up or a well-established company.

Tailored solutions for your needs, covering small to larger scale commercial investments.

You will have a dedicated case manager supporting you every step of the way.

Most lenders will require a deposit, typically starting from around 25% of the property value. The amount required will vary depending on the property type, loan size and overall risk portfolio.

The property must be suitable for commercial lending, whether owner-occupied, investment or semi-commercial. Lenders will look at the property’s location, condition and intended use.

For owner occupied mortgages, lenders will review your business accounts to assess affordability. This will include recent trading figures, profit and loss statements and future projections.

For commercial investment mortgages, affordability is heavily based on rental income. Lenders will consider lease terms and whether the rent comfortably covers the mortgage payments.

For a commercial bridging loan, lenders will require a clear exit strategy such as refinancing or sale of the property to demonstrate how the loan will be repaid.