Commercial Mortgages

Commercial Mortgages Epsom

Expert commercial mortgage advice for Epsom businesses. Whether you are purchasing office space, investing in retail units, or refinancing an existing commercial property in KT18, we find the right lender for your situation.

Owner-occupierInvestment propertyHMO financeMixed-useDevelopment 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.

Key areas we cover in Epsom

Commercial mortgage advice for businesses across Epsom and the surrounding Surrey area.

Town Centre
Ewell
Ashtead
Stoneleigh
Langley Vale
Epsom Downs

Commercial property types we finance in Epsom

We work with specialist commercial lenders to arrange finance for all major property types across KT18 and Surrey.

Office space and business parks

Finance for purchasing or refinancing office premises in Epsom. Owner-occupier and investment cases.

Retail units and shops

High street shops, retail parks, and showrooms across KT18. Single units and portfolios.

HMO and multi-let properties

Licensed HMOs and multi-let commercial properties in Epsom. Specialist lenders available.

Mixed-use properties

Commercial ground floor with residential above — a common property type in Epsom. We know which lenders specialise in mixed-use.

Development finance

Ground-up development and conversion projects in Epsom. Short-term and bridging options available.

Industrial and warehouse

Warehouse, workshop, and light industrial units across Surrey. Competitive rates for strong covenants.

Commercial property market in Epsom

Key figures for Epsom property investors and business owners

£430,000
Typical Epsom property entry price — the starting point for your commercial finance
Source: Land Registry / local data
25–30%
Minimum deposit required by most commercial mortgage lenders
Typical lender requirement
6–12 weeks
Typical timeframe from application to completion for commercial mortgages
Average across our panel

Commercial mortgage FAQs — Epsom

What deposit do I need for a commercial mortgage in Epsom?
Most commercial mortgage lenders require a deposit of 25-30% of the property value for Epsom commercial properties. The exact requirement depends on the property type, your business financials, and the lender. Stronger applications with established businesses may access higher LTV products.
How long does a commercial mortgage take in Epsom?
A commercial mortgage in Epsom typically takes 6-12 weeks from application to completion. Complex cases involving development finance or unusual property types may take longer. We manage the process and chase all parties to keep your KT18 transaction moving.
Can I get a commercial mortgage for a Epsom HMO?
Yes — HMOs in Epsom are financeable through specialist commercial lenders. Licensed HMOs with strong rental income and compliant with local authority requirements are well-served by our lender panel. We arrange finance for both existing HMOs and residential-to-HMO conversions in KT18.
What are commercial mortgage rates in Epsom?
Commercial mortgage rates in Epsom are assessed individually based on the property type, LTV, tenant strength, and your business profile. Rates typically start from around 2-3% above base rate for strong applications. We search the whole market to find the most competitive rate for your Epsom commercial property.
Can a new business get a commercial mortgage in Epsom?
It is more challenging for new businesses, but not impossible. If you have a significant deposit, strong personal assets, or relevant industry experience, specialist lenders will consider your Epsom application. We know which lenders are most flexible for newer businesses in KT18.
Do you handle commercial remortgages in Epsom?
Yes — we regularly arrange commercial remortgages for Epsom business owners looking to reduce their rate, release equity, or restructure their borrowing. If your current deal is ending or you want to review your options, we can search the market for a more competitive arrangement.

Related services in Epsom

Commercial Mortgages →

Main commercial mortgage page — UK-wide business property finance.

Mortgage Broker Epsom →

Independent residential mortgage advice for Epsom.

Bridging Loans →

Short-term finance for auction purchases and property transactions.

Business Protection →

Protect your business with keyman and shareholder cover.

Discuss your Epsom commercial mortgage requirements

Our specialist third-party commercial mortgage team is ready to help with your Epsom business property finance. 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.

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