Finance for the premises, not just the home.
Buying your trading premises, investing in commercial property, or financing a flat above a shop — commercial and semi-commercial lending, placed with lenders who understand business income.
The three cases we see most
Commercial lending is secured against property used for business. It usually falls into one of three shapes: buying your own trading premises (owner-occupied), investing in commercial property to let, or financing a mixed-use building with both commercial and residential parts.
- Owner-occupied — your business buys the premises it trades from, often on more favourable terms than investment lending.
- Commercial investment — buying units, offices or retail to let to business tenants, assessed largely on the rental income.
- Semi-commercial / mixed-use — for example a flat above a shop, needing a lender comfortable with both elements.
How it’s assessed
Commercial lending looks at the business, the property and the deal rather than a personal payslip — so running your own company is the norm here, not an obstacle. Deposits are typically larger than residential, often 25–40%, and we package your accounts and the proposal for the most suitable lender.
- Owner-occupied, investment and mixed-use are the main routes.
- Assessed on the business and property, not a personal payslip.
- Larger deposits than residential — often 25–40%.
- Mixed-use needs a lender comfortable with both elements.
Commercial mortgages are generally not regulated by the FCA. Lending depends on the business, property and proposal. This page is general information, not a recommendation.
Commercial lenders we work with — a selection
Commercial mortgages, answered
What is a commercial mortgage?+
A loan secured against property used for business — your own trading premises (owner-occupied) or a commercial property you let to others (investment). Terms, deposits and rates differ from residential lending and are assessed largely on the business or the rental income.
What is a semi-commercial (mixed-use) mortgage?+
It finances a property with both commercial and residential elements — classically a flat above a shop. These mixed-use cases sit between residential and commercial lending and need a lender comfortable with both, which is where specialist placement helps.
How much deposit do I need?+
Commercial lending typically needs a larger deposit than residential — often 25–40% depending on the property, the business and your experience. Owner-occupied premises can sometimes be financed on more favourable terms than pure investment.
Can a contractor or director get one?+
Yes. Commercial lending is assessed on the business and the property rather than a personal payslip, so running your own company is normal here. We package the business accounts and the deal for the right lender.