We help UK SMEs secure commercial property finance with clear guidance and access to suitable lenders.
If you are a UK business owner looking to buy your first or next commercial real estate property, a commercial mortgage broker can help you move from renting to owning and invest in your company’s future.
This page is for UK trading businesses that want to purchase premises such as:
✔ Owner-occupied commercial properties
✔ UK-registered businesses
✔ Trading companies and limited companies
(Property investment cases are handled separately)
Many business owners want to stop renting but face obstacles such as:
Unsure whether buying makes financial sense
Concerned about tying up capital
High-street banks applying rigid criteria
Limited guidance on eligibility
Slow decision-making processes
Not sure how much deposit is required
Confusion over profit vs salary vs dividends
Owning your premises can provide stability and long-term value but only with the right funding structure.
A commercial mortgage allows a UK business to purchase property used for its own trading operations, rather than for investment purposes.
Secured against the commercial property
Longer repayment terms than short-term finance
Typically arranged through banks or specialist UK lenders
While each lender assesses cases individually, typical ranges in the UK include:
Subject to Lender and Property Type
Typically for Owner-Occupied Properties
Repayment options may include capital & interest or interest-only (subject to lender criteria)
Rates depend on business strength, property type, and loan structure
We explain these clearly before any application is progressed.