Loan Central Title image

A UK independent commercial mortgage broker with access to all products in the market

Online since 2004, we're a name that you can trust

The navigation buttons on the left show you which products are available for business users and which are available for individuals.

The contact form to request free advice and a no obligation quote is at the bottom of this page.

All quotations for commercial mortgages are provided to you free of charge and on a no-obligation basis - there is no pressure, make your decision in your own time.

What is a commercial mortgage?

This is a type of loan used to fund the acquisition or refinance of commercial property and they are available to both business start-ups and established businesses. They can be used to fund a wide variety of property types, such as an office building, shopping centre, industrial warehouse, or apartment blocks, the building can be freehold or leasehold. Large commercial mortgages are where you want to borrow in excess of £1,000,000. They can be used for full commercial or mixed-use properties or even land. Commercial mortgages can be broken down into:-

Owner-occupier mortgages: These are used to buy property that will be used as trading premises for your own business.

Commercial investment mortgages: These are used for property you’re planning to rent/let out. A commercial mortgage might be right for you if you have a property comprised of more than one dwelling on a title, multiple flats in a block, or a very large HMO. If you have standard residential properties, let on an Assured Short hold Tenancy (AST), then a buy to let mortgage may be the best option for you. The rates and fees charged are generally slightly higher than those charged where the property is owner-occupied.

Semi-commercial mortgages: Mortgages or re-mortgages on a property comprising both residential and commercial elements.

We can provide commercial owner occupier and commercial investment mortgages for many different property types across all industry sectors, including:-

Agriculture - working farms, rural businesses, farms run as a lifestyle business alongside other income, equestrian businesses, country estates, renewable energy sites

Business – single office units, office blocks, serviced offices, business parks.

Retail – shops, single retail units, shopping parades & malls, retail parks.

Industry – industrial units & parks, warehouses, factories, workshops.

Leisure – gyms, restaurants, pubs, cafes, hotels.

Health – care homes, nursing homes, doctor surgeries, dental practices, vets, opticians.

Education – schools, day-care nurseries, colleges.

Why take out an owner occupier commercial mortgage?

Here are a few benefits to taking out a commercial mortgage:-

  • You release capital which can be used for investment and growth.
  • You are free to consolidate business debts.
  • You have more money free to buy new equipment.
  • Your business can expand its trading.
  • It's cheaper than renting.
  • You may also have the option to sublet parts of your property to bring in additional income.

Alternatives to a business mortgage

  • There are several alternative options you can choose from if you decide that a business mortgage is not the right choice for you:
  • Bridging loans can help you complete the purchase of a property before you manage to sell your existing home.
  • Short-term loans can help you access funds without making any long-term commitments. This is often used for financial relief to cover working capital, cash flow, and a variety of expenses.
  • Personal loans can be used to borrow anywhere in the region of £5,000 upwards, interest rates will be lower for secured rather than unsecured lending.

Why use a broker for your commercial mortgage?

A broker can advise on the best product to suit your needs, as we’ve shown above, there are alternatives to a commercial mortgage depending on your individual circumstances. A broker is duty bound to act in your best interests, so taking free advice may provide you with a solution that works better for you which you hadn’t even considered! They pride themselves on securing the most suitable commercial mortgage products for your needs. Whatever your circumstances, they look to save you money by offering market leading commercial mortgage rates and expert guidance throughout the whole process. The commercial mortgage market can be difficult to navigate, which is why a broker will manage your application from start to finish, making the process easy for you. They can offer fast decisions, decisions in principle within two to four hours and their commercial mortgage experts are happy to answer any questions which you may have.

They work with lenders across the whole market, including niche lenders and often have products that are only available from a broker, to secure you the best deal. Working with a wide range of lenders allows us to be as flexible as possible in our criteria. Most lenders will assess applications based on your credit history, income and the deposit you have available. Commercial mortgage lenders tend to take an individual view to assessing applications, meaning criteria is often more flexible. This allows lenders to consider a wide variety of ‘out of the ordinary’ scenarios without issue.

Where a property purchase is subject to VAT, a broker will usually able to fund it using a VAT loan. This can be made for up to 100% of the VAT payable and is repayable when the VAT is claimed back.

Certain specialist industries such as doctors and dentists can take out 100% commercial mortgages.

Key points for commercial mortgages:-

  • Borrow up to 80% Loan to Value (LTV).
  • Fixed and variable rates available.
  • Rates from 2.25%.
  • Borrow from £25,000 – no maximum loan size.
  • Terms from 5 years to 30 years.
  • Any security considered.
  • Loans for trading or start-up businesses.
  • Previous adverse credit considered.
  • Repayment or interest only.

How quickly can I complete?

Commercial mortgage applications can usually be completed in 6-8 weeks. This will, of course, depend on how quickly, and to what quality, information is given to the lender. The other key factors that can affect the speed of completion are the valuation and legal process. Commercial valuations can often take some time, and therefore cause delays.

The legal process for commercial mortgages can be more complex than residential property conveyancing, so it’s important that your solicitor is experienced in dealing with commercial transactions. If your application is urgent and needs to complete more quickly than this, just let your advisor know and they will expedite it to meet your timescales where possible.

Applying for a business mortgage

When applying for business mortgages, established businesses usually must provide the following:-

  • Your latest 2 years trading accounts.
  • Proof of ID & address.
  • Asset & liability statement.
  • 6 months business & personal bank statements.


We currently serve the following UK post code areas (for example AB - Aberdeen means all areas in and around Aberdeen whose postcode starts with AB) :-

AB - Aberdeen, AL - St Albans, BA - Bath, BB - Blackburn, B - Birmingham, BD - Bradford, BH - Bournemouth, BL - Bolton, BN - Brighton, BR - Bromley, BS - Bristol, BT - Belfast, CA - Carlisle, CB - Cambridge, CF - Cardiff, CH - Chester, CM - Chelmsford, CO - Colchester, CR - Croydon, CT - Canterbury, CV - Coventry, CW - Crewe, DA - Dartford, DD - Dundee, DE - Derby, DG - Dumfries, DH - Durham, DL - Darlington, DN - Doncaster, DT - Dorchester, DY - Dudley, EC - London, EH - Edinburgh, E - London, EN - Enfield, EX - Exeter, FK - Falkirk, FY - Blackpool, G - Glasgow, GL - Gloucester, GU - Guildford, GY - Guernsey, HA - Harrow, HD - Huddersfield, HG - Harrogate, HP - Hemel Hempstead, HR - Hereford, HS - Western Isles, HU - Hull, HX - Halifax, IG - Ilford, M - Isle of Man, IP - Ipswich, IV - Inverness, JE - Jersey, KA - Kilmarnock, KT - Kingston Upon Thames, KW - Kirkwall, KY - Kirkcaldy, LA - Lancaster, LD - Llandrindod Wells, LE - Leicester, L - Liverpool, LL - Llandudno, LN - Lincoln, LS - Leeds, LU - Luton, ME - Medway, MK - Milton Keynes, ML - Motherwell, M - Manchester, NE - Newcastle, NG - Nottingham, N - London, NN - Northampton, NP - Newport, NR - Norwich, NW - London, OL - Oldham, OX - Oxford, PA - Paisley, PE - Peterborough, PH - Perth, PL - Plymouth, PO - Portsmouth, PR - Preston, RG - Reading, RH - Redhill, RM - Romford, SA - Swansea, SE - London, SG - Stevenage, SK - Stockport, SL - Slough, SM - Sutton, SN - Swindon, SO - Southampton, SP - Salisbury, SR - Sunderland, S - Sheffield, SS - Southend - On - Sea, ST - Stoke - On - Trent, SW - London, SY - Shrewsbury, TA - Taunton, TD - Galashiels, TF - Telford, TN - Tonbridge, TQ - Torquay, TR - Truro, TS - Cleveland, TW - Twickenham, UB - Uxbridge, WA - Warrington, WC - London, WD - Watford, WF - Wakefield, W - London, WN - Wigan, WR - Worcester, WS - Walsall, WV - Wolverhampton, YO - York, ZE - Lerwick.

The application process

  1. Complete the form below and talk through your needs with one of our commercial mortgage experts, who will discuss the project to assess the application.
  2. Assuming the application is viable, you will then receive a quote in writing detailing the interest rate, fees and headline borrowing terms, along with the documents which you will need to provide which are required to submit a full application.
  3. The forms will be completed and submitted to the lender alongside a comprehensive report on the project.
  4. If the lender is happy with the application up to this stage, they may want to meet you. At this point, we would arrange the meeting for you at a time and place convenient to you.
  5. Once comfortable, the lending manager will usually take your application to the credit committee. These are the underwriters who sign off the application as acceptable to the lender. Once approved, the lender will issue the formal offer, subject to valuation and legal work.
  6. Your formal offer will be issued.
  7. A surveyor is instructed to compile a valuation report on the property. It will be comprehensive and may take longer than a residential valuation to complete.
  8. Your solicitor is instructed to carry out the legal work and satisfy all conditions. They will run through the terms of the agreement and ensure you fully understand the loan. Once satisfied, you will sign the formal offer and return it to the lender. It is important that your solicitor is familiar with the commercial mortgage process as inexperience here can slow progress significantly.
  9. Once this is done, the funds can be released, and the loan completed.

We offer rapid decisions in principle – often within four hours – and our commercial mortgage advisors are available to answer any questions that may arise.

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