Commercial & Specialist Finance Solutions

Commercial finance refers to funding used to purchase, refinance or release capital from nonresidential or income producing property. This includes offices, retail units, industrial buildings, warehouses, mixed use properties and commercial investments.

Loan sizes typically start from around £50,000 and can run into the tens or hundreds of millions, depending on the property, rental income and overall deal structure. Commercial finance is secured against property and assessed primarily on the strength of the asset and its income, rather than personal salary alone.

Compared to residential mortgages, commercial finance is more bespoke. Each deal is underwritten individually, taking into account the property type, tenant profile, lease terms and long term viability of the investment.

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How Commercial Mortgages Differ from Residential Mortgages

Commercial mortgages are designed for business use and investment purposes, which means they work very differently to standard home loans.

Key differences include:

• Lending decisions are driven by rental income and property value, not personal income alone

• More flexible structures are available, including interest only terms

• Loan terms are usually 5 - 25 years, depending on lender and asset type

• Properties can be owner occupied or investment

• Credit history is considered, but it is not always a deciding factor

Because of this flexibility, commercial finance is often used for acquisitions that do not fit standard residential lending criteria.

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Common Uses of Commercial Finance

Commercial mortgages are commonly used for:

• Purchasing commercial or mixed use property

• Refinancing existing commercial loans

• Buying business premises for owner occupation

• Acquiring commercial investments with tenants in place

• Releasing capital from commercial property to reinvest elsewhere

They can also be combined with other funding types, such as bridging or development finance, as part of a wider funding strategy.

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How Do I Arrange a Commercial Mortgage?

Call Us
Being fully independent gives us access to a wide panel of commercial lenders, from high street banks to specialist and private lenders.

Send Us an Email
We stay up to date with lender appetite, rates and criteria, ensuring your application is placed with the right lender from the outset.

Book an Appointment
Where possible, we negotiate directly with lenders to secure the most suitable terms for your specific deal, not just the headline rate.

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