Commercial Mortgage
Commercial mortgage deals
Comparing mortgage deals is daunting when you’re starting out. So we put all our latest offers – sourced via our expert comparison tool – in one place. Our mortgage advisors will happily talk you through them.
Commercial Mortgage calculators
You’ve seen a spectacular property. In your dreams you already live there – but can you afford it? Introducing our mortgage calculator, the most reliable tool in the business when you need to number crunch fast.
Commercial Mortgage calculators
You’ve seen a spectacular property. In your dreams you already live there – but can you afford it? Introducing our mortgage calculator, the most reliable tool in the business when you need to number crunch fast.
Commercial Mortgage information
When you’ve worked hard to buy your first home, securing your first mortgage shouldn’t be taxing. Jargon-free and user-friendly, our mortgage guide tells you all you need to know.
Let Us Guide You
Check out our essential guides on all you need to know about the mortgage process.
How much deposit do I need?
When it coms to putting down a deposit to buy a property, the more you can save up, the better.
Do I need life insurance?
Protection for you and your family should the worst happen.
What are the different types of mortgage?
With so many different mortgage deals to choose from, finding the right one for your individual circmstances can feel difficult to find.
Commercial Mortgage FAQs
Commercial mortgages finance properties used for business purposes—like offices, shops, hotels, or industrial units—as well as investments like buy-to-let HMOs or mixed-use buildings. They’re also used to refinance existing loans, expand premises, or release equity for growth. At Property Finance Choices, we secure loans from £50k to £10m+ with terms of 5-30 years, tailored to your business type (LLPs, Ltd companies, or sole traders) and property goals. Whether you’re a startup café or a portfolio landlord, we’ll match you with lenders offering flexible rates and repayment structures!
Deposits typically range from 25-40% (60-75% LTV), depending on the property type, your business’s financial health, and risk factors like lease lengths or sector stability. High-risk ventures (e.g., new hotels) may require 40%+, while established businesses with strong accounts can access 75% LTV. We’ll negotiate terms to minimize your upfront cash outlay and structure deals around your cash flow—keeping your capital free for operations.
Yes! Specialist lenders consider applications with CCJs, defaults, or limited trading history, often requiring a larger deposit (35-40%) and solid business plans. Startups can secure loans using projected cash flow or personal guarantees. We’ll pair you with lenders who prioritize property value and exit strategies over past credit blips, turning ambitious ventures into funded realities.
Rates are typically higher (4-8% vs. 2-5% for residential) due to perceived risk, but terms are flexible—options include fixed, variable, or stepped rates over 5-25 years. We’ll benchmark lenders, negotiate competitive terms, and structure repayments (interest-only or capital) to align with your revenue cycles.
After discussing your needs, we’ll gather documents (3 years’ accounts, business plans, property details), submit to lenders, and handle valuations/legal work. Approval takes 2-6 weeks, but we fast-track urgent cases. With access to 100+ niche lenders, we turn complexity into clarity—so you focus on business, not paperwork!
