A commercial mortgage broker who places the case, not the enquiry.
Owner-occupier and investment commercial mortgages from £150,000 to £10m, arranged across a panel of specialist lenders, challenger banks and private credit funds. Rates, terms and structure explained on the first call - never a template answer.
Long-term finance secured against UK commercial property.
- Facility
- £150,000 - £10m
- Term
- 5 - 30 years
- Maximum LTV
- Up to 75% (owner-occupier), up to 70% (investment)
- Rate basis
- BoE base or SONIA plus margin, fixed or variable
- Repayment
- Capital & interest or interest-only (case-dependent)
- Typical drawdown
- 8 - 12 weeks from accepted terms
Four commercial mortgage cases we place most often.
Owner-occupier purchase
Buying the premises your business already trades from - or a new site to relocate into. Repayments replace rent, and the asset builds equity on your balance sheet rather than the landlord's.
Investment acquisition
Purchasing a tenanted commercial or semi-commercial asset for income and capital growth. Priced against rental cover (typically 130-160% ICR) and tenant covenant strength.
Refinance and capital raise
Moving off short-term or bridging debt onto a term mortgage, or releasing equity from an owned commercial building to fund expansion, acquisition or working capital.
Portfolio restructure
Consolidating multiple facilities into a single term loan across a commercial or mixed portfolio - cleaner reporting, sharper pricing, one set of covenants.
What lenders look for before issuing terms.
No two commercial mortgage cases are identical, but underwriting across our panel tends to converge on the same core criteria. We tell you on the first call which of these your case meets and which we will need to structure around.
- Minimum two years of filed accounts (owner-occupier) or a tenanted asset with unexpired lease term (investment)
- 25% - 40% deposit or existing equity, depending on LTV band and asset class
- Debt service cover of 1.3x - 1.6x based on stabilised EBITDA or rental income
- UK-registered borrowing entity - SPV, trading company or partnership
- Directors with clean recent credit and no undisclosed CCJs or IVAs
- Full-status underwriting, RICS Red Book valuation and solicitor-led legals
The commercial assets our panel funds.
From first call to drawdown, on the record.
Structured brief
A 20-minute director call to understand the business, the asset, the intended structure and the outcome. We tell you honestly on that call whether we can help.
Panel shortlist
We shortlist the two or three lenders on our panel most likely to price the case correctly - challenger banks, specialist commercial lenders and private credit desks.
Terms and valuation
Indicative terms in writing before any credit search. Once accepted, the lender instructs a RICS Red Book valuation and formal underwriting begins.
Legals and drawdown
Solicitor-led legals in parallel with valuation. Drawdown typically 8 - 12 weeks from accepted terms on a standard case, faster on refinance.
What is a commercial mortgage?
A commercial mortgage is a long-term loan secured against non-residential property - offices, industrial units, retail premises, warehouses or mixed-use buildings. Terms run 5 to 30 years with capital repayment or interest-only structures, and LTVs up to 75% on standard cases.
What deposit do I need?
Most UK lenders require 25% - 35% deposit for owner-occupier mortgages and 25% - 40% for investment purchases, depending on tenant covenant, lease length and property type. Prime assets and strong trading businesses can push higher.
How are rates set?
Commercial mortgage rates are priced individually against BoE base rate or SONIA plus a margin reflecting LTV, sector, covenant strength and property type. Well-tenanted investment cases price tighter than trading businesses in higher-risk sectors.
Can I get an interest-only commercial mortgage?
Yes, on investment cases where rental income covers interest with headroom, and on some owner-occupier deals with a clear exit or capital repayment plan. We tell you on the first call whether interest-only fits the case.
Do you cover semi-commercial and mixed-use?
Yes. Semi-commercial (shop with flat above, office with residential unit) is a specialist product placed with a subset of lenders on our panel - particularly where the commercial element is more than 40% of floor space.
How long does drawdown take?
Straightforward refinance can complete in 6 - 8 weeks. New acquisitions with valuation, formal underwriting and legals typically run 8 - 12 weeks from accepted terms. We flag any timing risk on the first call.
Get an indicative view on your commercial mortgage today.
A 20-minute director call - no credit search, no obligation. We tell you honestly whether the case is fundable and what terms our panel is likely to offer.
Enquire about a commercial mortgageYour property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Commercial mortgages of £25,000 and above are typically unregulated. Terms subject to status, valuation and full credit underwriting.