Commercial Mortgages

Commercial Mortgages Surrey

Expert commercial mortgage advice for Surrey businesses. Whether you are purchasing office space, investing in retail units, or refinancing an existing commercial property in GU/KT/RH/CR, 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 Surrey

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

Guildford
Woking
Epsom
Reigate
Farnham
Dorking

Commercial property types we finance in Surrey

We work with specialist commercial lenders to arrange finance for all major property types across GU/KT/RH/CR and Surrey.

Office space and business parks

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

Retail units and shops

High street shops, retail parks, and showrooms across GU/KT/RH/CR. Single units and portfolios.

HMO and multi-let properties

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

Mixed-use properties

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

Development finance

Ground-up development and conversion projects in Surrey. 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 Surrey

Key figures for Surrey property investors and business owners

£450,000
Typical Surrey 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 — Surrey

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

Commercial Mortgages →

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

Mortgage Broker Surrey →

Independent residential mortgage advice for Surrey.

Bridging Loans →

Short-term finance for auction purchases and property transactions.

Business Protection →

Protect your business with keyman and shareholder cover.

Discuss your Surrey commercial mortgage requirements

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