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.
Tell us about the property
Provide the estimated value of the property and the deposit amount you have available.
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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.
How the commercial mortgage process works
Commercial mortgages are more complex than residential. Here's what to expect from enquiry to completion.
Initial consultation: understand your requirements
We discuss the property, your business structure, financials, and objectives. For owner-occupier cases we review your trading accounts. For investment cases we look at the rental income and tenant profile. We advise on likely LTV, rates, and structure.
Lender selection and indicative terms
Commercial mortgage pricing is bespoke. We approach the most suitable lenders from our panel based on your specific profile. We present indicative terms (rate, fee, LTV, term) usually within 2–3 business days.
Full application submission
We prepare a comprehensive credit submission including business accounts, projections, property details, and supporting documentation. A strong presentation to the right lender is the difference between approval and decline.
Valuation and credit committee
The lender instructs a RICS surveyor to value the property. For larger loans or complex properties this may involve a full investment report. The lender's credit committee reviews the case. This stage typically takes 2–4 weeks.
Legal work and conditions
Both parties' solicitors conduct due diligence on title, leases, planning, and any special conditions. Commercial legal work is more involved than residential. Allow 4–8 weeks for a typical transaction.
Completion
Funds are released on the agreed completion date. For investment properties, any existing tenants remain in situ. For owner-occupier properties, you can move your business in. We remain your point of contact for future refinancing requirements.
Owner-occupier vs investment commercial mortgages
The purpose of your purchase significantly affects which lenders will consider you and on what terms.
Owner-occupier
You buy the premises to run your own business from. Lenders assess the viability of your business as well as the property value. Typically available up to 70–75% LTV. High street banks are often competitive for established businesses.
- ✓Available to sole traders, partnerships and limited companies
- ✓Assessed on business profitability and cash flow
- ✓More lenders available for established businesses (3+ years)
- ✓Can include fit-out costs in some cases
Commercial investment
You buy commercial property to let to a tenant (or multiple tenants) and generate rental income. Lenders focus primarily on the rental income, tenant covenant strength, and lease terms. Available up to 70–75% LTV for strong assets.
- ✓Assessed primarily on rental yield and tenant quality
- ✓Long leases with strong tenants (e.g., national retailers) attract better rates
- ✓HMOs and mixed-use properties considered by specialist lenders
- ✓Interest-only widely available for investment cases
What determines your commercial mortgage rate?
Loan to Value (LTV)
Lower LTV = lower rate. Most lenders cap at 70–75% for commercial property.
Property type
Standard offices and retail attract better rates than specialist (care homes, pubs, hotels).
Tenant covenant
A strong national tenant on a long lease (15+ years) significantly improves pricing.
Business financials
Profitable businesses with strong balance sheets access better owner-occupier rates.
Term and repayment type
Interest-only is typically priced higher. Shorter terms sometimes attract better rates.
Your experience
Experienced property investors with a track record get more competitive terms.
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.
Note: Mortgage International refers commercial mortgage cases to a trusted specialist third-party adviser. Your enquiry will be handled by an expert in commercial property finance with access to a specialist lending panel.
Commercial mortgage FAQs
What is the minimum deposit for a commercial mortgage?
How is affordability assessed for a commercial mortgage?
Can a new business get a commercial mortgage?
What are typical commercial mortgage terms?
How long does a commercial mortgage take?
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Discuss your commercial mortgage requirements
Our specialist third-party commercial mortgage team is ready to help. Free initial consultation.
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.