Commercial Mortgages

Commercial mortgage finance tailored to your business

Whether you're purchasing your own business premises, investing in commercial property, or refinancing an existing commercial mortgage, we have the expertise and lender relationships to find the right solution.

Owner-occupierInvestment propertySemi-commercialDevelopment finance
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Mortgage International are not authorised to provide advice on Commercial Mortgages, this will be referred to our trusted third-party advisers.

Commercial property types we finance

We work with a broad panel of commercial mortgage lenders covering all major property types across the UK.

Offices and business parks
Retail units and shops
Industrial units and warehouses
Mixed-use properties
Care homes and healthcare
Hotels and hospitality
Pubs and restaurants
Development finance

Commercial mortgages explained

Commercial mortgages are property finance products secured against non-residential or mixed-use property. They are available to businesses of all sizes — from sole traders and partnerships to limited companies and PLCs — and can be used for owner-occupied premises or investment purposes.

Unlike residential mortgages, commercial mortgage rates are assessed individually based on the specific property, the borrower's business financials, and the overall risk profile of the application. This is why using an experienced commercial mortgage broker is particularly important — we know which lenders are most competitive for specific property types and borrower profiles.

Commercial mortgages can be arranged on a capital repayment or interest-only basis, and terms typically range from 5 to 25 years. Many commercial property investors use interest-only mortgages to maximise cash flow, with a plan to repay the capital from the proceeds of a future sale.

Commercial mortgage FAQs

What is the minimum deposit for a commercial mortgage?
Most commercial mortgage lenders require a minimum deposit of 25–30% of the property value. The exact amount depends on the property type, location, and your business financials. Some specialist lenders may offer higher LTV products for specific property types.
How is affordability assessed for a commercial mortgage?
Commercial mortgage lenders assess affordability based on your business income and profit, the rental yield of the property (if investment), your business track record, and the security of the property. We help you present your case in the best possible light.
Can a new business get a commercial mortgage?
It is more challenging for a new business, as lenders prefer established trading history. However, it is not impossible, particularly if you have significant deposit, strong personal assets, or can demonstrate relevant industry experience. We can identify the most suitable lenders for your situation.
What are typical commercial mortgage terms?
Commercial mortgages are typically offered over 5–25 year terms, with both capital repayment and interest-only options available. Many commercial borrowers opt for interest-only in the early stages to manage cash flow, then switch to capital repayment.
How long does a commercial mortgage take?
Commercial mortgages take longer than residential — typically 6–12 weeks from application to completion, sometimes longer for complex cases. We manage the whole process and chase all parties to keep things moving.

Discuss your commercial mortgage requirements

Our specialist third-party commercial mortgage team is ready to help. Free initial consultation.

Get a Free Initial QuoteCall 0844 884 9748

Commercial Mortgages are not regulated by the Financial Conduct Authority. Security may be required. Your property may be repossessed if you do not keep up repayments.