Commercial Finance
Commercial Mortgages for Owner-Occupiers and Investors
Long-term lending secured on commercial and semi-commercial property. Buy the premises you trade from, acquire an investment asset, or refinance onto terms that reflect what your property and business are actually worth today.
- Founder-led brokerage
- Ormskirk based · UK-wide
- Broad panel of commercial lenders
Own the Premises Instead of Renting Them
For a lot of established businesses, buying the premises is the most sensible move available. Rent leaves the business permanently; mortgage payments build an asset, are often comparable month to month, and give you control over a site your customers and staff already know.
Owner-occupier lending is usually assessed on your trading performance and typically stretches to around 70% to 75% of value, sometimes higher where additional security is available. Investment lending is assessed on the lease, the covenant strength of the tenant and the unexpired term.
Semi-commercial property — a shop with flats above, a pub with accommodation — sits in its own category and needs lenders comfortable with both halves. We know which ones are, and which will waste three weeks of your time.
Explore Your Finance Options
Property We Fund
Commercial mortgages across:
- Offices, retail units and industrial premises
- Warehouses, workshops and trade counters
- Semi-commercial and mixed-use buildings
- Care homes, nurseries, pubs and hotels
- Owner-occupied premises bought from a landlord
- Pension purchases via SIPP and SSAS structures
What This Means for You
An appreciating asset
Payments build equity in a property you control rather than disappearing into a landlord’s rent roll.
Cost certainty
No rent reviews, no lease renewals, and the option to fix payments over a long horizon.
Pension-efficient options
Buying premises through a SIPP or SSAS can be highly tax-efficient — we will arrange the lending side and work with your adviser.
Refinance opportunities
If your property has risen in value or your trading has improved, a refinance can cut cost or release capital for growth.
Frequently Asked Questions
How much deposit do I need for a commercial mortgage?
Commonly 25% to 35% of the purchase price, though it depends entirely on the lender, the property and the strength of the business. Owner-occupiers with strong trading figures can sometimes borrow more, and where additional property is offered as security the cash requirement can fall further. Any figure we give before a lender has assessed the case is indicative.
Can I buy my business premises through my pension?
Yes — commercial property is a permitted investment for a SIPP or SSAS, and your business then pays rent to your own pension scheme. It is a well-established and often very tax-efficient route. The pension rules are your financial adviser’s territory; the borrowing that sits alongside is ours, and we work with advisers regularly on these purchases.
How long does a commercial mortgage take?
Usually six to twelve weeks. The timeline is driven by the commercial valuation, which is more involved than a residential one, and by legal due diligence on title, leases and planning. Cases where accounts, leases and identity documents are ready on day one move materially faster.
Discuss Your Funding Requirements
Tell us about the property and the business behind it — we will tell you what is achievable and what deposit you will realistically need.