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Commercial Mortgages

Commercial Mortgages

⭑⭑⭑⭑⭑ 5-Star Award-Winning Mortgage Broker

Discover the Latest Commercial Rates From Across The Market

As a commercial property investor, you know the importance of having the right finance partner at your fingertips.

At The Buy to Let Broker, we provide tailored commercial finance solutions designed to support and scale your investment strategy. With our expertise and access to a wide range of financial products, we’re here to help you make the most of every opportunity, maximise returns, and drive your portfolio’s growth.

The Buy to Let Broker Commercial Mortgages

The Financial Conduct Authority does not regulate Commercial Mortgages. Your property may be repossessed if you do not keep up repayments on your mortgage.

☎️ Chat to a commercial mortgage expert now by calling 0800 949 9410

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Rated Excellent on Feefo

LTVs up to 80%
Borrow from £200k - £25m
Fast Decisions
Dedicated Support

Ready to get started?

Applying won’t affect your credit score

Easily Compare Options From A Range Of High Street and Specialist Lenders:

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Market Trends in Commercial Mortgages…

More and more landlords are looking to diversify their portfolio, and investing in commercial property assets can bring a robustness to a landlord’s portfolio.

Owning commercial property can often offer higher rental yields than traditional residential buy to let, and often leases can be for longer periods offering stability of income and security.

Specialist commercial units such as factories, storage units, or purpose-built office space, may depend on the commercial sector, and semi-commercial property offers the best of both worlds with the added stability of a commercial lease, and the more traditional residential investment under the same freehold title.

In fact, commercial finance covers a myriad of sectors and property type including; professional practice premises, care homes, agricultural buildings and farms, land, cafés and restaurants, hotels, warehouses, purpose built student accommodation, and even larger multi-occupancy properties such as large HMOs (including those with long-term leases for housing vulnerable tenants), and large multi-unit freehold blocks.

Indeed, if you’re a business owner, owning your own commercial unit could be financially beneficial compared to renting.

Our established relationships with a plethora of commercial mortgage lenders, including a number of specialist lenders and those on the high street, means we could offer tailored terms to suit your needs.

The Buy to Let Broker Matthew Rowne

Matthew Rowne

Director

Tailored for Experienced Investors, Built for Speed and Simplicity

Competitive Rates for High-Value Transactions

As a commercial property investor, you’re likely dealing with larger-scale deals, which is why securing the most competitive rates is crucial. We give you access to a broad range of lenders, ensuring that you can secure preferential rates that help reduce costs, increase leverage, and improve your returns. Our deep market relationships allow us to negotiate competitive terms for your specific needs.

Expert Insight and Strategic Guidance

With decades of experience in commercial finance, our team offers strategic insight that goes beyond simple lending. We take the time to understand your long-term investment strategy and tailor our advice to help you optimize your portfolio.

Fast, Efficient Access to Capital

Timing is crucial when seizing the right opportunity, and our streamlined process means faster access to capital, ensuring you can act quickly when the right property or development deal presents itself. With our expert support, you won’t waste time navigating complex criteria – we focus on delivering fast, effective results.

How To Apply For Commercial Finance

  • 1. Chat With An Expert
    From a quick chat with one of the commercial finance experts, you can discuss what you are looking to achieve and discover how much you can borrow and the latest rates that you may be eligible for.
  • 2. Fast Free Quote
    You'll then receive a free no-obligation quote to easily compare the recommended options, ensuring you have the right deal for your investment plans.
  • 3. Seamless Process
    Once fully happy with the quote, the team will handle all of the necessary paperwork and will manage your application through to completion.
  • 4. Receive The Funds
    The team will move quickly to get you the finance you need as fast as possible. You'll get regular updates from your dedicated broker and our case management team, for greater peace of mind.

Chat To A Commercial Finance Expert Today

To discuss your commercial finance options and to see if you qualify, you can call us on 08009499410 or simply let us know your contact details and and one our expert advisers will be in touch shortly.

The Buy to Let Broker advisers Tom, Chris, Holly

Feefo Platinum Trusted Service Winner – 7 Years Running! ⭑⭑⭑⭑⭑

Discover our full team of mortgage experts →

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Key Features & Benefits

Considering a commercial mortgage for your next investment offers several advantages:

Potential for Property Appreciation

Owning commercial property allows you to benefit from potential increases in property value over time, contributing to capital gains.

Flexible Loan-to-Value Ratios

Lenders typically offer loan-to-value (LTV) ratios up to 80% for commercial mortgages, enabling significant financing options.

Eligibility Across Various Business Structures

Commercial mortgages are available to a range of entities, including individuals, partnerships, LLPs, and limited companies, providing flexibility in ownership and investment.

Potential for Additional Income

Owning commercial property provides the opportunity to lease unused space, generating additional rental income and enhancing overall investment returns.

Potential for Higher Yields

Commercial properties often offer higher rental yields compared to residential properties, enhancing income potential and mortgage affordability.

Borrow From £200,000 - £25 Million

Commercial mortgages can offer significant loan sizes, even up to £25 million, depending on the lender and financial standing of the borrower.
The Buy to Let Broker Mortgage Awards

Our Service Has Won Awards. Lots of Them.

Our mission is to deliver award-winning service to landlords across the UK, so we’re super proud to been recognised with a whole host of awards including Business Moneyfacts Awards’s Buy-to-Let Mortgage Broker of the Year in 2024!

Real People. Real Success.

Feefo Platinum Trusted Service Winner 2020, 2021, 2022, 2023, 2024 & 2025! ⭑⭑⭑⭑⭑

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Your Commercial Mortgage Questions, Answered.

The Buy to Let Broker Business Loan
How much deposit is required for a commercial mortgage?
Typically, lenders require a deposit ranging from 20% to 40% of the property's value for a commercial mortgage. The exact percentage depends on factors such as the property's type and location, the borrower's creditworthiness, and the lender's specific criteria.
What factors determine the amount I can borrow with a commercial mortgage?
The loan amount is influenced by several factors, including the property's value, the borrower's credit history, the financial health of the business, and the property's potential to generate income. Generally, lenders offer between 50% to 80% of the property's value.
What is the typical term length for a commercial mortgage?
Commercial mortgages usually have terms ranging from 2 to 30 years. The specific duration depends on the lender's policies and the borrower's financial situation and your broker will discuss your requirements to ensure you receive options suited to your investment plans.
Are there specific eligibility criteria for obtaining a commercial mortgage?
Eligibility for a commercial mortgage often requires good credit, a healthy business or investment history, and, in the case of owner-occupier mortgages, sufficient business income to cover repayments but as commercial mortgage experts, we can discuss any requirements of your chosen lender.
How long does it take to secure a commercial mortgage?
The process of obtaining a commercial mortgage typically takes between 4 to 10 weeks, depending on the complexity of the deal and the lender's procedures. Your dedicated broker and case manager will keep you updated throughout the application.

Speak To Specialist To See If You Qualify

Discover Why We’re Rated 5/5 by Investors

No matter what your particular property is, we aim to make finding your next mortgage quicker and easier. To get started, get in touch today. You can also chat with a specialist on 08009499410 to get a fast free quote now.

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This field is for validation purposes and should be left unchanged.
First Name*

Applying won’t affect your credit score

🔒 To understand how we securely handle and hold your info, see our privacy policy here.

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IMPORTANT INFO

The Financial Conduct Authority does not regulate commercial lending or finance.

Just like your home, your property may be repossessed if you do not keep up payments on your mortgage.

Call Now 08009499410