Commercial Property Mortgages in London
Flexible finance for offices, retail units, and investment properties
Whether you’re purchasing your first business premises or refinancing an existing asset, our specialist commercial mortgage brokers provide fast, flexible funding tailored to your needs.
- Fast property finance for complex deals
- Access to 100+ trusted lenders
- Competitive rates from 0.49% per month
- Flexible terms up to 25 years
"I couldn’t recommend this bridging loans broker more highly!"
Our Bridging Loan Services
About Our Firm
As a specialist bridging loan broker based in London, we provide fast, flexible funding solutions for time-sensitive property transactions. Our team works with a wide network of private, commercial, and international lenders to secure bespoke terms that traditional banks can’t match.
We act exclusively on your behalf, ensuring your loan is structured to your advantage — with clear communication, fast decisions, and no unnecessary delays.
Key Stats:
15+ Years’ Experience in property and finance
£500M+ Bridging Finance Arranged
Access to 120+ Lenders
Clients in 10+ Countries
What Is a Commercial Property Mortgage?
A commercial property mortgage is designed for businesses or investors buying or refinancing property used for commercial purposes — such as offices, warehouses, shops, or mixed-use developments.
Unlike residential mortgages, commercial mortgages are assessed on business performance, property value, and future income potential, allowing more flexibility for established businesses and property investors.
You can use a commercial mortgage to:
Purchase or refinance trading premises
Buy property as a long-term investment
Release equity for business expansion or renovation
Consolidate debt or reduce monthly repayments
Types of Commercial Mortgages We Arrange
Owner-Occupied Commercial Mortgages
For businesses purchasing their own trading premises — ideal for SMEs, professionals, or sole traders looking to control costs instead of paying rent.
Commercial Investment Mortgages
For investors buying income-producing properties (e.g. retail, office, or industrial) to rent out to third-party tenants.
Mixed-Use Mortgages
Finance for buildings combining residential and commercial elements — such as flats above shops or multi-use developments.
Semi-Commercial Mortgages
Tailored for part-residential, part-commercial assets — flexible solutions that suit both investors and owner-occupiers.
Refinance or Equity-Release Mortgages
Unlock capital from existing commercial assets to fund expansion, refurbishments, or new acquisitions.
Expert Buy To Let Brokers You Can Trust
Our brokers have decades of experience structuring high-value deals for UK and international clients. We understand the complexities of short-term finance and specialise in finding creative solutions where traditional lenders can’t deliver.
Frequently Asked Questions
Typically, lenders require a 25–40% deposit, depending on the property type, tenant strength, and your business’s financial profile.
Yes — some lenders consider start-ups or early-stage companies with solid business plans and projected income. We can help prepare your application to strengthen approval chances.
An owner-occupied mortgage is for premises your business trades from; an investment mortgage is for property you rent out to others for income.
Most commercial mortgages have terms between 3 and 25 years, though shorter terms may apply for interest-only or investment loans.
Yes — we arrange finance for both personal and company-owned structures (including SPVs and LLPs).
Rates depend on loan size, property type, and borrower profile — typically starting around 6% for strong cases. We compare the market to find the most competitive deal.
Absolutely. Refinancing can reduce monthly payments, release equity, or consolidate multiple debts into a single manageable facility.
Yes — we work with lenders offering commercial mortgages to non-UK residents and overseas investors.
Expect valuation, legal, and arrangement fees. We provide a full cost breakdown upfront so you can plan with complete transparency.
Most commercial mortgage offers are issued within 2–6 weeks, depending on complexity. We work closely with lenders to accelerate decisions wherever possible.
Want
To
Talk?
We’ll review your scenario and outline your bridging loan options within hours.