Specialist Mortgages

The right commercial finance, structured to work for your business.

Whether you're buying business premises, refinancing commercial property, or funding a development — we source competitive finance from specialist commercial lenders, high street banks, and private finance houses. Nationwide.

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Commercial property for business mortgage advice

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Commercial mortgage solutions

Whether you're looking to purchase business premises, refinance an existing commercial property, or fund a development project, our team has the expertise to find the right solution. Read our commercial mortgage guide for a comprehensive overview. We work with a wide panel of commercial lenders including high street banks, specialist commercial lenders, and private finance houses.

Types of commercial finance we arrange

  • Owner-occupied commercial mortgages — for businesses buying their own premises
  • Commercial investment mortgages — for purchasing commercial property to let
  • Semi-commercial/mixed-use — properties with both residential and commercial elements
  • Development finance — funding for ground-up developments or conversions
  • Bridging finance — short-term finance for commercial opportunities
  • Refinancing — remortgage existing commercial property to better terms

Property types we cover

We can source finance for a wide range of commercial property types including offices, retail units, industrial premises, warehouses, pubs and restaurants, hotels and B&Bs, care homes, GP surgeries, mixed-use buildings, and land with planning permission. Self-employed business owners looking for residential mortgages can also benefit from our specialist advice. See how our process works or check our case studies for examples of deals we've arranged.

Portfolio landlords and Ltd company BTL investors — we also arrange buy-to-let finance for investors with multiple properties or complex ownership structures. Speak to us about your portfolio requirements.

Case Study

Mixed-use property — completed in 8 weeks.

A client came to us to purchase a mixed-use property — a retail unit with two flats above. Many lenders won't touch semi-commercial cases, but we identified a specialist commercial lender comfortable with the structure and presented the application correctly. The £650,000 purchase completed at 70% LTV within eight weeks.

£650,000

Purchase price

70%

Loan-to-value

8 weeks

To completion

"We needed funding to buy the industrial unit our business had been renting for years, and our own bank kept dragging its feet. Option Finance understood exactly how to structure the deal, brought in a lender who got commercial property, and made the whole thing straightforward. Genuinely impressed."
James T. — Managing Director, Manufacturing Business

Related resources

Commercial Mortgage Guide

Complete guide to commercial lending

Mortgage Calculator

Estimate monthly payments

Buy-to-Let Mortgages

Investment property finance

Self-Employed Mortgages

For business owners needing residential

Mortgage Glossary

Understand mortgage jargon

Frequently Asked Questions

What is a commercial mortgage?
A commercial mortgage is a loan secured against a non-residential property such as offices, shops, warehouses, pubs, or mixed-use buildings. Terms, rates, and criteria differ significantly from residential mortgages.
How much deposit do I need for a commercial mortgage?
Commercial mortgages typically require a deposit of 25-40% of the property value, depending on the property type, your business financials, and the lender.
What types of commercial property can I finance?
We can help with offices, retail units, industrial units, warehouses, pubs and restaurants, care homes, mixed-use properties, land with planning permission, and development finance.
How long are commercial mortgage terms?
Commercial mortgage terms typically range from 3 to 25 years, with some lenders offering up to 30 years. The term depends on the property type, your age, and the lender.
Can I get a commercial mortgage for a new business?
While more challenging, some lenders will consider new businesses, particularly if you have relevant experience and can demonstrate a solid business plan. We'll find the right lender for your situation.
Can I use a commercial mortgage to buy a mixed-use property with a flat above a shop?
Yes — mixed-use or semi-commercial properties are a specialism. Lenders assess these differently to pure commercial or pure residential properties, and not all lenders will touch them. We know which lenders are most receptive and how to structure the application correctly.
How is a commercial mortgage different from a bridging loan?
A commercial mortgage is a longer-term product (typically 3-25 years) secured against a commercial property. A bridging loan is short-term (usually 3-24 months) and used to move quickly — for example, buying at auction or completing before a sale. We arrange both, and can advise on which is right for your situation.
DT

Expert reviewed by

Davi Thakar

Director & Senior Mortgage Adviser · CeMAP, CeRER

This page was reviewed by Davi, a CeMAP-qualified mortgage adviser at Option Finance. All content is checked for accuracy and kept up to date.

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