Own your premises, control your future
A commercial mortgage is a long-term loan secured against non-residential property. Purchasing premises for your own business, acquiring a buy-to-let investment, or refinancing an existing property, commercial mortgages offer competitive rates and repayment terms of up to 30 years.
Lender criteria and rates vary significantly across the commercial mortgage market. Working with a specialist broker ensures you access the full market and secure the best terms for your situation.
Types of commercial mortgage
Owner-occupied
Purchase or refinance the property your business operates from. Ideal for businesses ready to move from leasing to ownership.
Commercial buy-to-let
Acquire offices, retail units, or industrial space to lease to other businesses. Lenders assess rental yield alongside your financials.
Residential buy-to-let
Purchase residential properties to let to tenants. Suited to professional landlords and portfolio investors.
Semi-commercial
Mixed-use properties with both commercial and residential elements, such as a shop with a flat above.
How the process works
01
Submit your enquiry online
02
We match you with suitable lenders
03
Property valuation is arranged
04
Legal due diligence is completed
05
Mortgage offer issued and funds released
Key benefits
Terms up to 30 years
Longer repayment terms mean lower monthly costs, freeing up cash flow for business growth and operations.
Up to 75% LTV
Borrow up to 75% of the property value, with some lenders accepting alternative collateral to reduce your deposit requirement.
Own your premises
Stop paying rent. Build equity in an asset that appreciates over time and provides long-term stability for your business.
Tax-efficient interest
Interest payments on commercial mortgages are typically tax-deductible, reducing your overall cost of borrowing.
Rental income potential
If you have surplus space, subletting part of the property can generate additional revenue to offset mortgage costs.
Full market access
We compare across high-street banks, challenger banks, and specialist lenders to find the most competitive deal for your business.
Important: A commercial mortgage is secured against property. Think carefully before securing debts against your commercial premises. Failure to meet repayment terms could result in the repossession of your property.
Related finance options
Useful resources
Related at Funding Flow: bridging loans, semi-commercial mortgages, commercial mortgage calculator.
Official references: Bank of England base rate, gov.uk SDLT non-residential rates.
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Commercial mortgage calculator
Rate shown as BoE base rate (3.75%) plus a margin. Guide tool only.
£100,000 to £10,000,000
Illustrative only, not a quote.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Frequently asked questions
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