How much can I borrow with a commercial mortgage?

The amount depends on the property's value and type, the borrower's financial circumstances, available deposit or equity and the lender's affordability assessment. Different lenders apply different loan-to-value and income requirements.

Can I obtain a commercial mortgage through a limited company?

Yes, subject to lender criteria. Some lenders consider limited companies, partnerships and other business structures. They may assess the company's accounts, directors, security and any required guarantees.

Can I get a mortgage to buy premises for my own business?

Potentially. Owner-occupied commercial mortgages can fund premises used by the borrowing business, such as offices, warehouses, retail units or professional premises. Lenders will usually assess the trading business and its ability to service the debt.

Can I finance a mixed-use property?

Potentially. Properties containing both commercial and residential accommodation may qualify for specialist finance. The property's layout, occupancy, borrower and intended use must be assessed to establish lender suitability and whether the proposed borrowing is regulated.

Can I refinance an existing commercial property?

Yes, subject to lender approval. Refinancing may allow a borrower to replace existing finance, review the repayment structure or potentially release equity for an acceptable purpose.

How long does a commercial mortgage application take?

Timescales vary depending on the lender, transaction complexity, valuation, legal work and supporting documentation. A completion date cannot be guaranteed.

Do commercial mortgages require a deposit?

Lenders generally expect an equity contribution or acceptable existing equity in the security property. The amount varies according to the property, the borrower and the lender's risk assessment.

Are commercial mortgages regulated by the FCA?

Commercial mortgages are generally outside the FCA's regulated mortgage contract regime, but not every transaction described as commercial is automatically unregulated. The borrower, property, security and occupancy must be considered, particularly where residential accommodation is involved.

03 / COMMERCIAL MORTGAGES

Commercial mortgages
for what's next.

Whether you're purchasing business premises, refinancing an existing property or investing in commercial real estate, Beyond helps you explore specialist lending options.

From offices and retail units to industrial premises and mixed-use investments, we look beyond the property itself to understand your plans and identify a suitable funding route.

Discuss your project →

COMMERCIAL PROPERTY FINANCE

The right property. The right funding.

Commercial property can create opportunities for businesses and investors alike. The right mortgage structure depends on the property, its intended use, the borrower and the financial strength behind the transaction.

Buying business premises

Explore finance to acquire offices, shops, warehouses and other commercial premises for your business to occupy.

Commercial property investment

Funding for qualifying commercial properties purchased to generate rental income or support a wider investment strategy.

Commercial refinancing

Review opportunities to refinance an existing commercial mortgage, restructure borrowing or release equity for an eligible purpose.

Mixed-use properties

Explore funding for properties combining commercial and residential accommodation, subject to their individual circumstances and regulatory status.

HOW THE PROCESS WORKS

A clearer route from property to funding.

Every commercial property transaction is different. Our approach is designed to make the funding process straightforward and transparent.

All funding is subject to lender criteria, underwriting, satisfactory security, legal checks and approval. Completion times cannot be guaranteed.

01 / Tell us about your plans

Share the property details, purchase or refinance requirements, business circumstances and intended outcome.

02 / Explore the possibilities

We'll assess whether the transaction falls within our service scope and explore potentially suitable commercial lenders.

03/ Understand the terms

Review indicative borrowing costs, available loan structures, security requirements and repayment commitments.

04 / Progress towards completion

Where a suitable lender is identified, we'll help coordinate the application, valuation, legal process and lender requirements.

A DIFFERENT APPROACH TO PROPERTY FINANCE

When conventional lending stops, Beyond takes over

Ambitious property plans don't always fit conventional lending criteria. We combine specialist knowledge, lender relationships and a personal approach to explore funding solutions that move your plans forward.

Real people

Dedicated specialist advice

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More possibilities

Solutions beyond standard criteria

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With you throughout

Personal support from enquiry to completion.

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COMMERCIAL MORTGAGES

Understanding the costs of commercial property finance.

Commercial mortgages are typically longer-term secured borrowing arrangements. The overall cost depends on the property, loan amount, borrower, lender criteria and agreed facility terms.

Depending on the transaction, costs may include:

01

Interest

The cost of borrowing, which may be calculated using a fixed or variable interest rate.

02

Arrangement fee

Charges associated with setting up the commercial mortgage facility.

03

Valuation and legal costs

Costs associated with property valuations, legal due diligence and other professional requirements.

04

Broker fees

Fees for arranging the finance, where agreed and disclosed.

05

Other charges

Potential early repayment charges, security-related expenses and other fees specified in the facility.

Property acquisition costs, taxes, insurance and ongoing maintenance should also be considered when assessing the overall financial commitment.

COMMERCIAL PROPERTY FINANCE

A strong property needs a strong funding proposition.

The value of the property is only part of the assessment. Commercial lenders also consider the borrower's financial position, the property's income or business use, and the ability to maintain repayments.

The borrower and business

The borrower's financial position, experience, trading performance, ownership structure and available contribution.

The property and security

The property's value, condition, location, intended use, tenancy arrangements and suitability as security.

Affordability and income

The sustainability of repayments, supported by business cash flow, rental income or other acceptable financial evidence.

A suitable commercial mortgage should support the property's intended purpose while allowing for borrowing costs, unexpected expenses and changing business or market conditions.

FREQUENTLY ASKED QUESTIONS

Your questions. Answered.

Commercial property borrowing can involve different lending criteria, financial assessments and ownership structures. Here are answers to some of the questions we hear most often.

Still have questions? Let's talk →

COMMERCIAL MORTGAGE GUIDE

Knowledge that moves you forward.

Commercial Mortgages Explained: A UK Business and Property Investor's Guide.

Read the Commercial Mortgage guide →

YOUR NEXT MOVE STARTS HERE

Your ambition. Our expertise.

Tell us what you're looking to achieve. We'll help you explore your funding options and find a route forward.

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Commercial mortgages for what's next.