Commercial Mortgage Advice Across Essex & London
Helping you secure the right Commercial Mortgage
What is a Commercial Mortgage?
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A commercial mortgage is used to purchase or remortgage property used for business purposes, such as offices, shops, warehouses, or mixed-use buildings.
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I provide independent advice to business owners and investors across Essex and London, including support with more complex commercial property finance.
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Commercial mortgages are not regulated by the Financial Conduct Authority.
When a Commercial mortgage may — or may not — be suitable
May be suitbable if:
You're purchasing or refinancing a property used for business purposes.
The property generates income or supports a trading business.
The property is commercial or mixed-use in nature.
May not be suitable if:
You plan to live in any part of the property yourself.
The business or income is not yet sustainable.
You want short-term funding.
How I can help with Commercial mortgages
I help you understand whether a commercial mortgage makes sense for your plans, find lenders that fit your situation, and explain the numbers clearly before you commit.
​This Includes:
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Access to a wide range of commercial lenders.
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Clear explanations around costs, terms and risks.
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Support with owner-occupied and investment properties.
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Experience with mixed-use and more complex cases.
Pros, cons & considerations
Flexible lending criteria
Commercial mortgages are assessed on the strength of the business, rather than personal income alone.
Suitable for a wide range of property types
Commercial finance can be used for offices, retail units, industrial property, and mixed-use buildings.
Longer-term borrowing available
Terms can often run up to 20–25 years, depending on the lender, property and case.
Higher deposits usually required
Commercial mortgages typically require larger deposits than residential or buy-to-let borrowing.
More detailed underwriting
Lenders may require business accounts, projections, and additional information during assessment.
Fees and costs can be higher
Valuation, legal, and arrangement fees are often more complex for commercial property.
Not suitable for residential use
Commercial mortgages are not appropriate where any of the property is intended as a main home.
Examples of where a Commercial mortgage has helped clients
Owner-occupied business premises
A business owner purchased the property their company traded from, replacing a commercial lease with a long-term mortgage and providing greater certainty over future costs.
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Refinancing an existing commercial property
A client refinanced a commercial building to secure a better rate and restructure borrowing, improving cash flow and long-term affordability.
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Mixed-use property purchase
An investor purchased a mixed-use building with both commercial and residential elements. A suitable commercial mortgage was arranged to reflect the property’s structure and income.
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Business expansion
A growing business refinanced its existing commercial property to release capital, supporting expansion plans and ongoing investment in the business.
What happens next if you decide to proceed?
How the process usually works
Initial conversation – I talk through the property, how it’s used, and whether a commercial mortgage is appropriate.
Agreement in principle – I approach suitable lenders to secure an agreement in principle, subject to valuation and further checks.
Full application – Once you’re happy to proceed, I submit the full application and manage the process through underwriting and legal work.
Full application – Once you’re happy to proceed, I submit the full application and manage the process through underwriting and legal work.
What you'll usually need
Proof of ID & address
Property details - how it's used and any existing tenancies
Company financials - your business or the business that is occupying the property
If you’re still deciding whether a commercial mortgage is right for you, these are some of the questions business owners most often ask.
FAQs
How is affordability assessed for a commercial mortgage? Affordability is usually assessed based on the property’s income or the strength of the underlying business, rather than personal income alone. Lenders may review business accounts, projections, and tenancy details as part of the assessment.
How much deposit is required for a commercial mortgage? Deposits are typically higher than residential borrowing and often start from around 25–30%, depending on the property type, business, and lender.
Can I buy the property my business trades from? Yes. Commercial mortgages are commonly used by business owners to purchase premises their business operates from, rather than continuing to rent.
How long does a commercial mortgage take to arrange? Timescales vary depending on the complexity of the case, valuation, and legal work, but commercial mortgages typically take longer than residential or buy-to-let applications.
Do you charge a fee for commercial mortgage advice? There’s no charge for initial discussions or sense-checking your plans. Any fees that apply will always be explained clearly before you decide whether to proceed.
