Commercial mortgages
Long-term commercial mortgages for owner-occupiers and investors — up to 75% LTV on freehold and leasehold, with the facility structured around your business cash flow or the rental cover on a commercial buy-to-let.
How commercial mortgages work
We don't just find you a commercial mortgage — we structure the facility around your cash flow or rental cover and manage the lender through to completion.
Initial Consultation
Tell us about the property, the tenant or business, the purchase price, and your goals. We review the numbers and confirm what is achievable — no obligation.
We Structure the Deal
We match your deal to the right lender and product — owner occupier or commercial investment — and structure the facility around your cash flow or rental cover.
Application & Completion
We handle the paperwork, submit your application, and manage the lender through to completion — keeping the deal moving to your deadline.
Two routes, one lender panel
We search the whole-of-market specialist panel to find the right commercial mortgage for your deal — whether you are buying premises to trade from or property to let.
Up to 75% LTV
Owner Occupier
Commercial mortgages for owner-occupiers buying the premises they will trade from — whether that is a freehold property or a long leasehold. We search the panel for competitive rates and terms structured around your business cash flow.
- Funds the purchase of trading premises
- Up to 75% LTV on freehold and leasehold
- Terms structured around business cash flow
- Competitive rates across the lender panel
Up to 75% LTV
Commercial Investment
Commercial mortgages for investors buying property to let — including commercial buy-to-let, where the tenant and the lease underpin the lending. We structure the facility around the rental cover and your investment strategy.
- Commercial buy-to-let and investment lets
- Up to 75% LTV on investment purchases
- Facility structured around rental cover
- Terms aligned to your investment strategy
Typical commercial mortgage terms
| Max LTV | Up to 75% on freehold and leasehold |
| Typical loan size | £100,000 – £10,000,000+ |
| Term | 2–25 years |
| Rate type | Fixed or tracker |
| Repayment | Interest-only or capital repayment |
| Affordability | DSCR ~1.25x (investment) · business cash flow (owner-occupier) |
High street and specialist lenders
Most commercial brokers only have access to specialist lenders. We also work directly with high street banks like Lloyds and Barclays — giving your deal a wider panel and more competitive terms.
Example commercial mortgage deals
Trading premises in Luton
Owner-occupier mortgage funded the purchase of a freehold commercial unit for the owner's trading business.
Investment purchase in Milton Keynes
Commercial buy-to-let mortgage for an investor buying a let commercial unit with a strong tenant covenant.
Freehold asset in St Albans
Long-term commercial mortgage on a freehold investment property, structured with a 5-year fixed rate.
Example deals are illustrative and based on typical transactions we arrange.
Serving London & the Home Counties
We source off-market property, arrange specialist finance and provide advisory services across London and the Home Counties — with deep, location-specific market knowledge in every area we cover.
Commercial mortgage FAQs
What is the difference between owner-occupier and commercial investment mortgages?
An owner-occupier mortgage funds the purchase of a property that you will trade from yourself — the lending is underpinned by your business and its cash flow. A commercial investment (or commercial buy-to-let) mortgage funds a property you will rent out to a tenant — the lending is underpinned by the rental income and the strength of the lease.
What LTV can I get on a commercial mortgage?
Most commercial mortgages go up to 75% LTV, meaning you fund the remaining 25% through a deposit or equity. Some specialist lenders will go higher on strong cases. We search the whole-of-market panel to find the right LTV and rate for your deal.
How is affordability assessed?
For owner-occupier cases, affordability is based on your business accounts and cash flow. For commercial investment cases, it is based on the rental cover — the rent the property generates relative to the mortgage payments. Lenders typically look for a rental cover ratio of around 1.25x or higher, depending on the lender and the property.
What terms are available on a commercial mortgage?
Commercial mortgage terms typically range from 2 to 25 years, with interest-only or capital-repayment options. Shorter terms and interest-only periods suit investors planning a refinance or exit, while longer capital-repayment terms suit owner-occupiers spreading the cost. We structure the term around your goals.
Can I get a commercial mortgage on a leasehold property?
Yes. Commercial mortgages are available on both freehold and long leasehold properties, including owner-occupier leaseholds. Lenders will look at the length of the lease remaining and the strength of the tenant or business. We will advise on the right lender for your leasehold structure.
Book your initial consultation
Tell us about your deal and we'll match you to the right commercial mortgage — no obligation.
Commercial mortgage insights
Owner-Occupier vs Investment Commercial Mortgages
Navigate the differences between owner-occupier and investment commercial mortgages. Understand the criteria that impact your funding and acquisition success.
How Lenders Assess Commercial Affordability: DSCR and Rent Cover
Learn how commercial lenders use DSCR and Rent Cover to assess property viability. Understand these core metrics to secure your next commercial mortgage with confidence.
Fixed vs Tracker Rates for Commercial Property
Deciding between fixed and tracker rates for commercial property? Explore the risks, flexibility, and strategies to align your financing with your investment goals.
Refinancing a Commercial Mortgage to Release Equity
Learn how to unlock equity in your commercial property portfolio to fund growth, improve loan terms, and optimize your investment strategy.
Commercial Mortgage vs Bridging: Choosing the Right Route
Struggling to choose between a commercial mortgage and bridging finance? We break down the key differences to help you align your funding with your strategy.
Buying a Commercial Property Through an SPV: The Lender View
Discover how lenders evaluate SPVs for commercial property purchases, including the necessity of personal guarantees and the importance of a clean company history.
Owner-Occupier vs Investment Commercial Mortgages
Navigate the differences between owner-occupier and investment commercial mortgages. Understand the criteria that impact your funding and acquisition success.
How Lenders Assess Commercial Affordability: DSCR and Rent Cover
Learn how commercial lenders use DSCR and Rent Cover to assess property viability. Understand these core metrics to secure your next commercial mortgage with confidence.
Fixed vs Tracker Rates for Commercial Property
Deciding between fixed and tracker rates for commercial property? Explore the risks, flexibility, and strategies to align your financing with your investment goals.
Refinancing a Commercial Mortgage to Release Equity
Learn how to unlock equity in your commercial property portfolio to fund growth, improve loan terms, and optimize your investment strategy.
Commercial Mortgage vs Bridging: Choosing the Right Route
Struggling to choose between a commercial mortgage and bridging finance? We break down the key differences to help you align your funding with your strategy.
Buying a Commercial Property Through an SPV: The Lender View
Discover how lenders evaluate SPVs for commercial property purchases, including the necessity of personal guarantees and the importance of a clean company history.
Owner-Occupier vs Investment Commercial Mortgages
Navigate the differences between owner-occupier and investment commercial mortgages. Understand the criteria that impact your funding and acquisition success.
How Lenders Assess Commercial Affordability: DSCR and Rent Cover
Learn how commercial lenders use DSCR and Rent Cover to assess property viability. Understand these core metrics to secure your next commercial mortgage with confidence.
Fixed vs Tracker Rates for Commercial Property
Deciding between fixed and tracker rates for commercial property? Explore the risks, flexibility, and strategies to align your financing with your investment goals.
Refinancing a Commercial Mortgage to Release Equity
Learn how to unlock equity in your commercial property portfolio to fund growth, improve loan terms, and optimize your investment strategy.
Commercial Mortgage vs Bridging: Choosing the Right Route
Struggling to choose between a commercial mortgage and bridging finance? We break down the key differences to help you align your funding with your strategy.
Buying a Commercial Property Through an SPV: The Lender View
Discover how lenders evaluate SPVs for commercial property purchases, including the necessity of personal guarantees and the importance of a clean company history.