Commercial Mortgages
Ease the strain and secure a commercial mortgage to buy, refinance, or invest in business property, build equity, and support long-term growth for your UK SME.
This will not effect your credit score
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This will not effect your credit score.
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So, what exactly is Commercial Mortgage?
A commercial mortgage, also called a business mortgage, is a long-term loan for purchasing, refinancing, or investing in commercial property. It can be used for offices, retail units, warehouses, industrial sites and mixed-use buildings.
Secured against the property, commercial mortgages usually offer lower interest rates and longer repayment terms compared to unsecured loans. Repayments are made in monthly instalments, covering the loan and interest.
For UK SMEs, commercial mortgages provide a stable way to buy or refinance business premises, expand operations, access property equity, and generate rental income. They allow businesses to own rather than rent, build long-term value, and reduce ongoing costs.
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What are the advantages of Commercial Finance?
"A commercial mortgage isn’t just about owning property... it’s about investing in your business’s future. By securing the right funding, SMEs can take control of their premises, reduce costs, and build valuable long-term assets."
Kelly Moody - Senior Property Finance Broker
1. Long-Term Stability
Spread repayments over 10 to 25 years, providing security and predictability for your business.
3. Competitive Interest Rates
Because they’re secured against property, commercial mortgages often come with lower interest rates compared to unsecured loans.
2. Build Equity
Instead of paying rent, invest in an asset that grows in value and strengthens your balance sheet.
4. Flexible Use
Use a commercial mortgage to buy, refinance, or release equity from business premises.
How we can help you
What can Commercial Mortgage be used for?
Discover the opportunities your business can unlock with the right commercial property finance.
Application Process
Get Approved, Get Going!
Discover our streamlined process for securing tailored property financial solutions. We keep our property finance options transparent, with no hidden fees or unpleasant surprises. This is property finance made easy. Our no-obligation application won't impact your credit score.
Initial Enquiry & Quick Assessment
Tell us about your property finance needs - whether it’s a commercial mortgage, bridging loan, or development finance. We’ll carry out a quick eligibility check and let you know your options.
Detailed Consultation & Documentation
A dedicated property finance specialist will discuss your project, review financials, property details, and gather the required documents (valuations, accounts, tenancy agreements, or development plans).
Tailored Finance Proposal
We’ll source the most competitive terms from our panel of lenders, tailored to your project. You’ll receive a clear, no-obligation proposal outlining rates, terms, and conditions.
Lender Approval & Legal Process
Once you’re happy with the proposal, we’ll guide you through lender approval, valuations, and legal due diligence.
Funds Released
Upon completion, funds are released directly - whether to purchase your property, refinance, or fund your development project.
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FAQ
Your most common questions answered...
Got questions? We've got the answers... See below the our most commonly asked questions! If you still need help then be sure to get in contact and we'll be happy to help.
What is a commercial mortgage?
A commercial mortgage is a business loan secured against property, typically used to purchase or refinance commercial premises.
How does a commercial mortgage work?
Like a residential mortgage, you borrow an agreed amount from a lender and repay it over time with interest. The property itself is used as security for the loan.
What types of commercial mortgages are available?
Options include owner-occupied mortgages (for businesses buying their own premises) and commercial investment mortgages (for buying property to rent out).
How much can I borrow with a commercial mortgage?
This depends on the property value, your business profile, and the loan-to-value (LTV) ratio. Commercial mortgages can range from £100,000 to several million pounds.
What kind of credit rating do I need?
A strong credit profile helps secure better terms, but there are still options available for businesses with a less-than-perfect rating, especially if the property value is high.
Who is eligible for a commercial mortgage?
Commercial mortgages are available to limited companies, partnerships, sole traders, and property investors across the UK.
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Highly Competitive Rates
Borrow between £10K - £10 Million
Fast Application Process
No effect on your credit score
Grace Rust
Property Finance Broker
Approved Business Finance Ltd is an independent asset finance brokerage and not a lender. This means we can introduce you to a wide range of finance providers based on your requirements and circumstances. However, we are not independent financial advisors and therefore cannot offer independent financial advice. If you choose to enter into an agreement with a finance provider, we may receive payment(s), commission, or other benefits from them.
We are committed to delivering the highest standards of service to our customers. If our service does not meet your expectations, we will make every effort to address any concerns and reach a resolution. Transparency is important to us, and we aim to be clear about how we operate, including how we are compensated for the services we provide.
Approved Business Finance Ltd is an Appointed Representative of AFS Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (firm number: 625035). We are a Franchisee of Asset Finance Solutions (UK) Ltd. Approved Business Finance Ltd is incorporated in England and Wales (company number: 11914104) with its registered office at Seebeck House, Seebeck Place, Milton Keynes MK9 8FR.
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