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Commercial Mortgages
The same commercial building, the same borrower, can be priced wildly differently by two lenders on the same day. Which desk your case lands on is the whole game, and that is the bit I do.
A commercial mortgage is long-term finance secured on business premises or commercial investment property. Owner-occupiers use them to stop paying dead rent; investors use them to fund income-producing assets from single shops to multi-let industrial estates. The definitions are the boring bit. What matters is this: commercial pricing is not a market rate, it is an appetite decision, and appetite varies enormously between lenders for the identical deal.
I have watched the same case be declined by one bank, priced defensively by a second, and approved on sensible terms by a third, all in the same fortnight, all on the same numbers. The difference was never the business. It was sector appetite, how the covenant was presented, and whether the application told the story in the order a credit committee wants to hear it. That is packaging, it is learnable, and after 2,400 deals it is second nature.
I arrange owner-occupier and investment commercial mortgages across every sector: offices, retail, industrial, leisure, healthcare and the specialist assets mainstream lenders struggle to categorise. Trading companies, SPVs, pensions and complex group structures are all normal here. Tell me the deal and I will tell you honestly which lenders will want it and roughly where the terms should land, before you commit to anything.
"I needed substantial bridging finance for the time-sensitive purchase of a commercial property in Cambridge. Chris structured a £1.45 million net facility using the property and an additional unencumbered property as security, with clear written confirmation of the funding. The seller ultimately took a cash offer, but Chris secured exactly the funding I needed and I would have no hesitation in approaching him again."
Written by Chris Adlam
Founder of Advanced Funding Solutions. Chris has arranged specialist property finance since December 2013 and personally packages and places every deal the firm takes on. Book a call with him directly.
Also see: Semi-Commercial Mortgages · Business Loans · Bridging Loans · Government-Backed Finance
The deals other brokers decline are the ones we complete. Five minutes is enough to know if we can help.
Frequently asked questions
Typically up to 75% of the property value for owner-occupiers and up to 65 to 70% for investment property, driven by rental income or business profitability. All figures are indicative, for UK incorporated businesses only and subject to credit underwriting.
Yes, materially. Owner-occupier deals are assessed on your trading accounts, investment deals on the rent and the tenant. Different lenders lead in each, and we place accordingly.
Typically 6 to 12 weeks from application to completion, driven by valuation and legals. If the purchase deadline is shorter, a bridge-to-commercial-mortgage structure can secure the asset first.
It is harder without trading history, but achievable with a strong deposit, relevant experience or projections a lender can believe. We will give you an honest view before you commit to anything.
Question not answered? WhatsApp Chris directly or book a call, it is quicker than email.
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