22/01/2026
Our commercial mortgage series!
Part 1: What is a Commercial Mortgage? 🏢
A commercial mortgage is finance used to buy or refinance property used for business purposes so think offices, shops, warehouses, or mixed-use buildings.
Unlike residential mortgages, commercial mortgages are:
• Assessed on business affordability, not just personal income
• Usually offered over 10–25 year terms
• Reviewed based on rental income, trading accounts, and future projections
Lenders also vary widely.
High Street banks suit some businesses, while specialist lenders are often better for complex cases or niche sectors.
Interest rates can be variable, fixed, or semi-commercial, depending on the property and your circumstances.
👉 Not all lenders fit all business types — we match you with the right lender for your circumstances.
Follow for Part 2, where we break down the key benefits of commercial mortgages.