Commercial Remortgage Broker UK

If you already own a commercial property, remortgaging can help you reduce your interest rate, release equity, or switch to a lender that better suits your needs. We help property owners and investors explore their commercial remortgage options across UK lenders and structure applications that meet lender criteria. Whether you are looking to refinance an office, retail unit, warehouse, or mixed-use property, we guide you through the process and help you access suitable commercial mortgage lenders.

Check Commercial Remortgage Eligibility

Who is this for?

Commercial Remortgage Overview

A commercial remortgage means replacing your existing commercial mortgage with a new loan, either with your current lender or a different lender.

Property owners usually remortgage to:

  • Secure a better interest rate
  • Release equity from the property
  • Change the loan structure
  • Switch to a lender with better terms
  • Refinance after property value increases

Commercial remortgaging can apply to many types of properties, including retail units, offices, industrial buildings, and mixed-use properties.

Lenders will usually reassess both the property value and borrower profile before approving a new loan.

Why Property Owners Choose to Remortgage

There are several reasons why property owners decide to refinance their commercial property.

Lower Interest Rates

If your current mortgage deal is ending, you may be able to secure a better interest rate by switching lenders.

Equity Release

If the value of your property has increased, remortgaging may allow you to release equity that can be used for:

  1. Property improvements
  2. New property investments
  3. Business expansion

Improve Cash Flow

Switching to a different loan structure or interest rate may reduce monthly payments and improve cash flow.

Consolidate Borrowing

Some property owners use remortgaging to consolidate existing borrowing into one loan secured against the property.

Commercial Remortgage Eligibility

Lenders assess several factors when reviewing a commercial remortgage application.

Key factors usually include:

Property Value

The current market value of the property will determine how much you can borrow.

Loan to Value (LTV)

Most lenders offer up to 60% to 70% loan-to-value, depending on the property and risk profile.

Rental Income

If the property is rented, lenders assess the rental income and tenant strength.

Business Performance

If the property is owner-occupied, lenders may review the financial performance of the business.

Borrower Profile

Your experience, credit history, and financial background may also be considered.

Understanding these criteria before applying can improve the chances of approval.

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Typical Commercial Remortgage Terms

Commercial remortgage terms can vary depending on the lender and the property involved.

Typical terms may include:

Loan Amounts

Based on property value and existing debt

Loan-to-Value (LTV)

UPTO 75%

Depending on property type and use

Loan Terms

10 – 25 Years

Repayment options may include capital & interest or interest-only (subject to lender criteria)

Interest Rates

Fixed / Variable

Rates depend on business strength, property type, and loan structure

Each lender has different criteria, which is why comparing multiple lenders can often produce better outcomes.

Commercial Properties We Help Remortgage

commercial-investment-mortgage-property-type

We help property owners refinance a wide range of commercial properties across the UK.

Common property types include:

  • Retail units and shops
  • Office buildings
  • Industrial units
  • Warehouses
  • Mixed-use properties
  • Semi-commercial properties

Each property type is assessed differently by lenders, which is why understanding lender criteria can make a big difference to the outcome of your remortgage application.

Why Use a Commercial Remortgage Broker

Commercial remortgages can be more complex than residential mortgages because fewer lenders operate in this market and lending criteria can vary significantly.

Working with a commercial mortgage broker can help you:

  • Access specialist commercial lenders
  • Compare mortgage options across the market
  • Structure your application correctly
  • Avoid lenders that may decline your case
  • Save time during the application process

Our advisors help you understand the available options before approaching lenders.

Speak With a Commercial Mortgage Advisor

If you are considering remortgaging your commercial property, getting advice early can help you understand your options and avoid unnecessary delays.

We help property owners:

  • Review their existing mortgage
  • Understand current lender criteria
  • Estimate how much they could borrow
  • Compare commercial remortgage lenders






    Commercial Mortgage Rates

    Commercial Mortgage Advisors Near Me is the trading name of Pure Capital Limited, a company registered in England and Wales under company number 13383125.
    Registered Office: 18A Gawsworth Avenue, Didsbury, Manchester, M20 5NF.
    commercialmortgageadvisorsnearme.co.uk a website operated by Pure Capital Limited.

    Company Contact

    commercial-mortgage-broker-uk-phone-number

    Phone

    07577873082

    commercial-mortgage-broker-uk-email-address

    E-Mail

    Commercial@PureCapital.UK

    commercial-mortgage-broker-uk-office-address

    Location

    18A Gawsworth Avenue,
    Didsbury
    Manchester
    M20 5NF
    United Kingdom

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