Mortgages
Commercial mortgages for business premises
Shops, offices and mixed-use premises — and whether your case fits.
- No obligation
- Takes 2 minutes
- Speak to a real adviser
- FCA regulated
- Whole-of-market
- 90+ lenders
- Personal adviser support
The short answer
Commercial, explained in plain English.
Written by Seema Babber, mortgage and protection adviser
Updated
A commercial mortgage is a loan secured on property used wholly or partly for business, such as a shop, office or mixed-use building. Lenders look at the business’s accounts, the property and your experience. Deposits are usually 25–40%. We’ll tell you early on whether your case is one we handle.
Who this is for: Business owners buying their own premises, investors buying commercial or semi-commercial property, and those refinancing an existing commercial loan.
Your options
Your adviser compares these with you and explains the trade-offs before you decide.
Owner-occupied
Your business trades from the property.
Commercial investment
The property is let to business tenants.
Semi-commercial
For example, a shop with a flat above.
How it works
From first call to completion.
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01
Initial review
We look at the property, business and your aims, and confirm if we can help.
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02
Prepare the case
Accounts, projections and property details are gathered.
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03
Lender terms
We approach suitable lenders and present the terms.
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04
Valuation and legal
The lender values the property and legal work completes.
Before you start
Costs and risks to know about.
Costs to budget for
- Deposit — often 25–40%
- Lender arrangement fees
- Commercial valuation and legal fees
- Our fee — explained in writing first
Risks
Your property may be repossessed if you do not keep up repayments. Commercial mortgages are generally not regulated by the Financial Conduct Authority.
We explain the risks of any recommendation in writing before you proceed.
01Do I need trading accounts?
Most lenders want at least one to three years of accounts, though some consider newer businesses.
02Can I buy a shop with a flat above?
Yes — this is semi-commercial property, and specialist lenders offer mortgages for it.
03Do you handle every commercial case?
Not always. We’ll tell you quickly if your case is better suited to a specialist.
Mortgage enquiry
Talk to an adviser about commercial.
Takes about two minutes. An adviser will be in touch to talk through your options.
- 1What you need
- 2Property details
- 3Your details
- ✓Adviser follow-up
Why people enquire with us
- A named adviser and case handler look after your case
- We compare lenders across the market, not just one bank
- FCA regulated — firm reference 752191
- Phone, WhatsApp, video or at our Uxbridge office
Your details are kept secure and only used to handle your enquiry.