Commercial Mortgages

Commercial Mortgages Horsham

Expert commercial mortgage advice for Horsham businesses. Whether you are purchasing office space, investing in retail units, or refinancing an existing commercial property in RH12, 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 Horsham

Commercial mortgage advice for businesses across Horsham and the surrounding West Sussex area.

Town Centre
Broadbridge Heath
Southwater
Billingshurst
Pulborough
Storrington

Commercial property types we finance in Horsham

We work with specialist commercial lenders to arrange finance for all major property types across RH12 and West Sussex.

Office space and business parks

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

Retail units and shops

High street shops, retail parks, and showrooms across RH12. Single units and portfolios.

HMO and multi-let properties

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

Mixed-use properties

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

Development finance

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

Industrial and warehouse

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

Commercial property market in Horsham

Key figures for Horsham property investors and business owners

£400,000
Typical Horsham 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 — Horsham

What deposit do I need for a commercial mortgage in Horsham?
Most commercial mortgage lenders require a deposit of 25-30% of the property value for Horsham 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 Horsham?
A commercial mortgage in Horsham 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 RH12 transaction moving.
Can I get a commercial mortgage for a Horsham HMO?
Yes — HMOs in Horsham 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 RH12.
What are commercial mortgage rates in Horsham?
Commercial mortgage rates in Horsham 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 Horsham commercial property.
Can a new business get a commercial mortgage in Horsham?
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 Horsham application. We know which lenders are most flexible for newer businesses in RH12.
Do you handle commercial remortgages in Horsham?
Yes — we regularly arrange commercial remortgages for Horsham 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 Horsham

Commercial Mortgages →

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

Mortgage Broker Horsham →

Independent residential mortgage advice for Horsham.

Bridging Loans →

Short-term finance for auction purchases and property transactions.

Business Protection →

Protect your business with keyman and shareholder cover.

Discuss your Horsham commercial mortgage requirements

Our specialist third-party commercial mortgage team is ready to help with your Horsham 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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