Commercial Remortgage Solutions for UK Property Owners

We help UK property owners review their options and arrange suitable commercial remortgage solutions with the right lenders.

A commercial remortgage allows you to replace an existing commercial mortgage with a new one, often to secure better terms, release capital, or prepare for a rate expiry.

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Who is this for?

Is a Commercial Remortgage Right for You?

This page is designed for UK property owners who:

  • Already have a commercial mortgage in place
  • Are approaching a fixed-rate expiry
  • Want to review current market options
  • Are considering capital release

Suitable for:

  • Owner-occupied commercial properties
  • Commercial investment properties
  • Mixed-use (Semi-Commercial) properties

(Property purchases and short-term finance are covered separately)

Why UK Property Owners Remortgage Commercial Property

Fixed Rate Expiry

Avoiding a move onto higher variable rates

Improving Terms

Reviewing interest rates and repayment structure

Capital Release

Raising equity for business growth or investment

Lender Change

Existing lender no longer competitive or suitable

A structured remortgage review helps ensure your property finance remains aligned with your goals.

Eligibility Criteria

While criteria varies, lenders usually assess:

  • Current property value
  • Existing mortgage balance
  • Rental income or business affordability
  • Property use and condition
  • Credit profile

For investment properties:

  • Rental stress testing applies

For owner-occupied properties:

  • Business affordability is assessed

An eligibility review helps determine realistic outcomes before any formal application.

Check Your Eligibility Before Applying

Typical Commercial Remortgage Parameters

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

Key characteristics:

  • The property is already owned
  • The existing loan is repaid on completion
  • The new mortgage may offer different terms or structure

Loan Amounts

Based on property value and existing debt

Loan-to-Value (LTV)

60%–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

We explain these clearly before any application is progressed.

Thinking About Remortgaging Your Commercial Property?

Speak to a Commercial Remortgage Broker