Acquire, develop, or refurbish your commercial premises.
Commercial mortgages, bridging finance, and fit-out funding for owner-occupiers and investors. From a single unit to a multi-property portfolio.
Common scenarios
- Buying your trading premises instead of renting
- Bridging on an auction purchase ahead of long-term refinance
- Funding a fit-out or refurbishment of an existing site
- Acquiring a commercial investment property
How it works
- Share the property details, valuation, and your intended use
- We approach specialist commercial property lenders on your panel
- Receive a Decision in Principle, typically within 5 working days
- Coordinate with your solicitor through to completion
At a glance
- Typical amount: £100,000 – £10,000,000
- Typical term: 12 months bridging up to 25-year commercial mortgages
- Speed: Bridging in 7 – 14 days; commercial mortgages 4 – 8 weeks
Recommended products
- Business Loans
- Refinance
Frequently asked questions
What loan-to-value can I expect?
Owner-occupied commercial property typically funds at 65–75% LTV. Investment property is usually 60–70%.
Can I use this for a mixed-use property?
Yes. We have lenders comfortable with mixed-use, semi-commercial, and HMOs.
Do I need a deposit even for refinance?
If you're refinancing a property you already own, equity in the property serves the same purpose as a deposit.