Commercial Mortgages
Tailored Property Finance for Business Premises and Investment Opportunities
Finance for Business Premises, Investments and Semi-Commercial Property
Looking to buy or refinance a commercial property? Whether you are a business owner purchasing your own premises or an investor adding to your portfolio, a commercial mortgage can help you secure long-term finance designed for complex property needs.
At Bridging Finance Broker, we arrange commercial mortgages for business use, investment purposes and semi-commercial units. From shops and warehouses to care homes and offices, we match you with the right lender to fund your goals and move your plans forward.
What is a Commercial Mortgage?
A commercial mortgage is a loan secured against property that is used for business or investment purposes rather than as your main home. Unlike standard high street mortgages, commercial finance is tailored to your specific property, income, and future plans.
There are two main types:
Owner-occupied – where your business operates from the property
Commercial investment – where the property is rented out to generate income
You can use a commercial mortgage to:
Buy a trading premises such as an office, warehouse, or retail space
Refinance an existing commercial loan for better terms or rates
Release equity to fund business growth or expansion plans
Acquire a tenanted or part-tenanted property for rental income
Why Use a Commercial Mortgage?
Long-term funding
Terms from 3 to 25 years
Higher loan values
Borrow up to 75% of property value
Tailored to business or rental income
Flexible structures
Works for complex and mixed-use properties
Who It's For?
Business owners purchasing their own premises
Property investors acquiring commercial units
Landlords with semi-commercial buildings
Companies refinancing or raising capital
First-time commercial buyers (with guidance and support)
We work with limited companies, partnerships, LLPs, and sole traders—matching each with lenders who understand their business model and property goals.
What Properties Can Be Funded?
Offices and warehouses
Retail shops (vacant or with tenants)
Light industrial units
Care homes and medical clinics
Restaurants, cafés, and takeaways
Semi-commercial units such as a shop with a flat above
Mixed-use portfolios or specialist sites (subject to lender approval)
We work with lenders who understand the nuances of different property types, ensuring you get funding that fits your asset and your plans.
Key Features and Lender Criteria
Loan size: From £100,000 to £10 million+
Term: 3 to 25 years
Loan to Value (LTV): Up to 75%
Interest rates: Fixed or variable, starting from 6% p.a.
Repayment options: Capital and interest, or interest-only
Security: Commercial or semi-commercial property
Income assessment: Based on business profitability or rental income
We’ll match you with lenders who understand your sector and can offer terms that suit your business model.
The Application Process
Initial chat
We assess your goals, business, and property
Lender matched
Based on sector, income, and loan structure
Indicative terms
Quick quote with projected costs and terms
Valuation & underwriting
Full property report and affordability review
Loan approval
Legal work completed and funds released
Clear Communication
No jargon, no confusion, no chasing we keep you updated every step
Use Our Commercial Mortgage Calculator
Want to estimate your monthly repayments or funding capacity? Use our quick calculator to get a guide before applying.
Frequently asked questions
Everything you need to know about the bridging finance broker
Can I get a commercial mortgage with bad credit?
Yes, some lenders are open to adverse credit, especially if the business or rental income is strong.
How much deposit do I need?
Most lenders require 25–35% deposit or equity. More may be required for niche or vacant properties.
Can I buy a shop with a flat above?
Yes, this is a semi-commercial mortgage. We arrange funding for mixed-use properties every week.
Can I refinance a commercial mortgage to release funds?
Absolutely. We help landlords and businesses raise capital through commercial remortgages for growth or restructuring.
Do I need a trading history?
For owner-occupied, 2 years’ trading is ideal—but not always essential. For investment properties, the focus is on rental income.
Get Funding That Matches Your Property Plans
Whether you’re investing in commercial space or buying a building for your business, we’ll help you secure the right mortgage, expertly structured and built around your goals.