Commercial Mortgage

Long-term finance for business premises.

1

Complete the form

Answer a few questions for us to understand your business' needs

2

We compare 100+ lenders

We will advise which options could be suitable for your business

3

You choose the offer that best suits you

We'll present any offers available for your business. You choose the one that best suits your business.

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Please note the minimum requirement is £5,000.

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What is a Commercial Mortgage?

A commercial mortgage is a long-term loan secured against a commercial property, such as offices, shops, warehouses, or industrial units. It allows businesses or investors to buy or refinance property over extended periods.

Types of Commercial Mortgages

These include owner-occupier mortgages for businesses buying their own premises, and commercial investment mortgages for landlords and investors. Specialist versions exist for semi-commercial properties such as mixed-use developments.

Define the Project

Outline your project scope, timeline, and funding requirements.

Choose the Right Finance Type

Commercial mortgages, bridging loans, or development finance.

Get a Property Valuation

To assess risk and determine how much you can borrow.

Apply and Secure Terms

Review offered terms with loan amount, interest rate, LTV (loan-to-value), and repayment structure.

Draw Down Funds and Manage Repayments

Funds are released, either as a lump sum or in stages (especially for development projects).

Compare Property Finance Deals Today

At Compare Property Finance, we make it easy to compare property based lending options from leading UK lenders.

Whether you're looking for commercial mortgages, property development finance, bridging loans, buy-to-let mortgages, or any other type of property funding, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.

Compare now

Quick online quotes

Transparent fees and terms

Wide range of finance providers

No-obligation comparisons

Benefits of Commercial Mortgages

They provide stability through longer repayment terms, often 15–25 years. Businesses can build equity in property, benefit from potential capital appreciation, and reduce rental outgoings.

Commonly used by SMEs buying office or retail premises, investors expanding portfolios, and developers refinancing after short-term finance.

Things You Need to Know

Commercial mortgages require deposits, usually 20–40%, and underwriting is based on both business financials and property value.

FAQs

How much can I borrow?

Typically up to 70–75% of property value.

Do I need a deposit?

Yes, usually around 25%.

How long are terms?

Between 10 and 25 years.

Is it different from a residential mortgage?

Yes, underwriting is based on business performance and property type.

Can I refinance onto a commercial mortgage?

Yes, often after bridging or development finance.

Disclaimer: Compare Property Finance helps UK firms find the right finance credit broker for access to business finance. Compare finds credit brokers, not lenders. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  

This website is operated by Spark Finance. Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).