Commercial & Semi Commercial Mortgages.

We provide professional guidance on commercial mortgages for businesses and property investors, helping clients secure funding for both owner-occupied and investment properties. Our expertise covers offices, retail units, industrial premises, mixed-use developments including convenience stores and off license shops with flats above and buy-to-let commercial properties.

Owner-Occupied Commercial Mortgages

Owner-occupied commercial mortgages are designed for businesses purchasing or refinancing premises they actively use. Our advisers help you:

• Assess borrowing capacity based on your business performance
• Structure finance to suit your cash flow and repayment strategy
• Navigate lender criteria, valuation, and affordability checks
• Secure competitive terms to support business growth and operational needs
• These loans allow businesses to purchase, refinance, or expand premises with financing tailored to both short-term and long-term objectives.

Commercial Investment Mortgages

Investment commercial mortgages are aimed at property investors seeking to generate rental income or capital growth. Our service helps you:

• Access finance for offices, retail units, warehouses, or mixed-use developments
• Structure lending across single properties or multi-property portfolios
• Understand lender requirements for rental income, portfolio exposure, and loan-to-value ratios
• Optimise long-term investment returns through tailored finance solutions
• We work with a panel of lenders experienced in commercial investment finance, ensuring you get suitable funding aligned with your objectives.

Why Choose Our Commercial Mortgage Service?

• Expert Advice: Guidance for both owner-occupied businesses and investment property clients
• Flexible Solutions: Loans tailored to property type, size, and long-term objectives
• Comprehensive Support: Assistance with lender selection, valuations, documentation, and completion
• Portfolio Management: Support for clients managing multiple properties or complex investment structures

Commercial mortgages are typically non-regulated. Lending is subject to lender criteria, property valuation, and affordability assessments. All advice provided is transparent, responsible, and includes full disclosure of risks, terms, and costs.