Talk to one of our mortgage experts on 0808 172 9354

Mortgage Experience

Talk to one of our mortgage
experts on 0808 172 9354

Commercial Mortgages at Mortgage Experience

We offer a full suite of commercial finance solutions, including commercial mortgages, invoice finance and merchant cash services.

Access to 200+ lenders including high street, challenger, specialist funders.

At Mortgage Experience, we work with a broad panel of commercial mortgage providers, from the high street to private lenders and specialist merchant banks. This gives us the flexibility to secure financing solutions that are right for your business.

Electrician installer with a tool in his hands, working with cable on the construction site.

What Kinds of Commercial Mortgages Can We Arrange?

We can help you with:

Owner-Occupier Mortgages

If you’re purchasing or refinancing a property to run your business from it, this type of mortgage is for you.

Commercial Investment Mortgages

For purchasing or refinancing property that will be rented out to tenants.

Medium-Term Loans

Loans typically running for 2 to 5 years, using either commercial or residential property as security. Ideal if you need something more flexible than long-term mortgages but more stable than short-term bridging.

Management Buy-Outs / Buy-Ins

Whether you’re an existing management team buying out the business, or bringing in a new team, we can structure deals to fit.

SIPP & SSAS Loans

For those looking to purchase commercial property through their pension schemes (Self-Invested Personal Pension or Small Self-Administered Scheme).

What is a Commercial Mortgage?

A commercial mortgage is similar in many ways to a residential mortgage—but the key difference is the property involved. Collateral is secured against commercial real estate (freehold or long leasehold) rather than a standard residential home.

Because most commercial mortgages are taken out by businesses (e.g. limited companies, partnerships), the lender will assess not just your personal credit, but also the financial strength and trading history of the business. Sometimes, they may require personal guarantees or similar provisions to ensure the loan can be repaid in full.

How Much Can You Borrow?

Here’s what you can typically expect:

  • Up to 70–75% of the lower of the purchase price or the vacant possession value, although higher Loan-to-Value (LTV) options are possible in certain situations (for example, buying the freehold where the premises are already tenanted).
  • We can structure mortgages on a fully amortising basis, interest-only, or a hybrid part-capital / part-interest-only repayment schedule — depending on what works best for you.
  • The lending decision will take into account serviceability, which differs depending on whether the property is owner-occupied or investment. For owner-occupiers, profitability of your business is crucial; for investments, it’s the rent the tenant will pay.

What Types of Properties Can Be Funded?

We’re able to assist with finance for a wide range of commercial and mixed-use properties, including:

  • Industrial units, warehouses, offices
  • Retail premises (high street shops), takeaways
  • Licensed premises: pubs, clubs, restaurants, cafés
  • Leisure facilities: gyms, health clubs, parks
  • Nursing homes, children’s nurseries
  • Farms, equestrian, agricultural units
  • Mixed-use and semi-commercial buildings
  • Portfolios of smaller residential properties and standard buy-to-let consolidation or equity release in certain cases

Even “tricky” or non-standard cases aren’t off limits — drop us a message and we’ll explore what’s possible.

Why Choose Mortgage Experience?

We offer:

  • Personal advice from experts who understand commercial property finance
  • Access to a wide range of lenders and products
  • Transparent discussions around cost, risk, and suitability
  • Support through the entire process: from initial consultation, documentation, to completion

Contact Us

Unsure what’s right for you? Contact one of our dedicated advisers:

Phone: 01257 226654

Email: commercial@mortgage-experience.com

We’ll talk through your situation, outline your options, and help you make an informed decision.

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Please be aware that by clicking on to the above links you are leaving the Mortgage Experience website. Please note that Mortgage Experience nor HL Partnership Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this page. There may be a fee for mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing any other debts against your home.

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Mortgage Experience Limited is registered in England and Wales. Company No. 10428355. Registered Office: Renaissance House, 4 East Terrace Business Park, Euxton Lane, Chorley, PR7 6TB