Commercial Remortgage

Restructure or switch finance on commercial property.

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 Remortgage?

A commercial remortgage allows businesses or investors to switch their existing commercial mortgage to a new lender or product. This is typically done to secure better rates, raise capital, or restructure debt.

Types of Commercial Remortgage

These include rate-switching remortgages, equity-release remortgages, and refinancing short-term development or bridging loans into long-term facilities.

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 Remortgage

They reduce interest costs, improve cash flow, and unlock equity for reinvestment. Businesses can also consolidate debts into one manageable facility.

Common for property investors seeking better terms, businesses needing working capital, or developers moving from short-term finance to longer-term structures.

Things You Need to Know

Remortgaging incurs arrangement and legal fees, and lenders will reassess both the property value and business financials.

FAQs

Can I release equity with a remortgage?

Yes, equity release is common.

How long does the process take?

Usually 6–12 weeks.

Do I need a new valuation?

Yes, a professional valuation is required.

Can I switch lenders early?

Possibly, but check for early repayment charges.

What types of property are eligible?

Offices, retail, industrial, and mixed-use properties.

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).