Secure your Commercial Mortgage

What is a commercial mortgage?

A commercial mortgage refers to any loan secured against a property that is not a single residential property.

We may be able to find a deal that will fund up to 100% of a property depending on your business and the property usage.

Lending is often available on an interest only basis to keep repayments down while building a business or considering income.

A commercial mortgage is likely to be granted based on trading figures or rental profit rather than personal income.

Who can get a commercial mortgage?

We handle commercial mortgages for:

  • Retail & Office Units
  • Hot Food / Takeaway
  • Industrial / Warehouse
  • Multi-Unit Blocks (apartments or houses under one title)
  • Freehold & Leasehold Properties
  • Flats Above Commercial
  • Holiday Homes (Airbnb / Caravan Parks)
  • Office buildings or units
  • Healthcare / Doctors / Dentist
  • Hospitality Venues (inc bars and hotels)
  • Care Homes / Surgeries / Childcare
  • Petrol Stations / Garages / MOT & Tyre Centres
  • Limited Companies
  • Sole Traders
  • Charities

Plus much more!

What are the benefits of a commercial mortgage?

  • The interest on your commercial mortgage can be tax-deductible
  • Stamp Duty can be less on a commercial property
  • You could pass on repair and maintenance liabilities to a tenant
  • If the property increases in value, your capital may also increase
  • Tax Advantages when including within your pension scheme

What do I need to apply?

You will need bank statements and trading figures that reflect the last 6 months. Also, you’ll need a passport or driving licence to prove your ID and address.

You may also need to provide a business plan to show your financial projections for the year ahead. This can help determine when you’ll be able to repay the loan.

How much will it cost?

Usually, your deposit will need to be around 30% of the property’s value. However, there are also arrangement fees, valuation fees and legal fees to consider.

If you need further guidance or a more extensive breakdown, please arrange a call with one of our commercial finance experts.

Lendese Commercial Limited is an appointed Representative of Commercial Finance Brokers UK Limited which are authorised and regulated by the Financial Conduct Authority.

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    Common questions from our customers about commercial mortgages.

    Lendese have access to thousands of mortgage deals, including many exclusive deals not available elsewhere, along with specialist lenders who can assist with unique situations.


    Commercial mortgages are designed for properties used wholly for business or residential blocks with multiple properties.

    They would not be suitable for a residential property which would be used as a home.

    We will usually need to start with the property information or details of your intended plan. 

    Working together we can then delve into the details of any business or projections which may be involved in order to get you the best deal.

    Contact us for a free no obligation consultation.

    Buying a property to run your business gives you more freedom than renting. It makes financial sense to own the asset you work from and you can avoid rental increases. In addition, you will have more control over the space, creating a design unique to your business.

    Similarly, landlords can achieve higher rental yields with less ownership hassle.

    The commercial lending world is a minefield of criteria and products which are often very complex in nature. 

    We are a whole of market broker who can trawl through the maze for you, finding the most suitable deal from the entire market and take all the hard work away from you.

    We have unique relationships with lenders and business development managers often gaining us an inside track on the extensive lending options to hand.

    Commercial mortgage rates tend to be slightly higher than residential mortgage rates, mainly because it is a largely unregulated market which associates with higher risk. 

    However, we will be certain to find you the best of the bunch so please call us to discuss your needs.