16/08/2026
COMMERCIAL MORTGAGES – TWO WAYS TO OWN BUSINESS PROPERTY
Commercial mortgages aren’t just for businesses buying the premises they trade from.
We regularly help clients fund commercial property using different ownership structures, including:
Commercial Investment
A company or individual purchases a commercial property as an investment and lets it to an unrelated business.
Funding can typically be structured around the property value, rental income, lease and strength of the tenant, alongside the borrower’s overall circumstances.
OpCo / PropCo
Another common structure is for the property to be owned separately from the trading business.
For example:
PropCo Ltd
⬇ Owns the property
⬇
OpCo Ltd
⬆ Occupies the property and pays rent
Both companies can be owned by the same individual or shareholders, but the property sits within a separate company from the day-to-day trading business.
This type of structure is commonly used by business owners purchasing their own offices, warehouses, industrial units, shops and other commercial premises.
The right lender and structure will depend on the property, trading business, ownership, affordability and proposed use.
At Pask & Pask Commercial Finance, we can look across the commercial mortgage market and help structure the funding from the outset.
If you are considering buying a commercial investment property or purchasing premises for your own business, please get in touch.
📞 0203 675 0969
🌐 paskandpask.com
All lending is subject to status, valuation and lender due diligence. Your property may be at risk if you do not keep up repayments on a loan secured against it.