Skip to main content
Help to Lend

Long-term commercial debt

Long-term debt against the buildings that earn it.

Commercial mortgages for businesses buying their own premises and for landlords funding income-producing commercial property.

Start an enquiry or call 07967 614 256
LTV — owner-occupier
Up to 75% (sometimes 80%)
LTV — investment
Typically up to 70 – 75%
Term
5 to 25 years, fixed or variable
Repayment basis
Capital and interest, or interest-only on investment cases

Overview

What we arrange.

A commercial mortgage is a long, considered piece of debt. The right product on the right asset can sit on the balance sheet for fifteen or twenty years without troubling anyone. The wrong product becomes a refinance event every two years and a slow drag on yield.

Owner-occupier cases are the cleanest — a profitable trading business buying premises it already pays rent on. Investment cases require more care: lease length, tenant covenant, sector, location, and re-letting prospects all feed into how the lender will treat the deal.

We work with the high-street commercial teams, the specialist commercial lenders, and the challenger banks — across the full asset spectrum.

Facets

Owner-occupier commercial

A trading business buying the property it operates from — typically priced more sharply than a pure investment loan.

Commercial investment

A landlord acquiring or refinancing income-producing commercial property let on commercial terms.

Semi-commercial / mixed-use

Shops with flats above, pubs with accommodation, mixed retail-and-residential blocks under a single freehold.

Portfolio refinance

Aggregating several commercial or BTL assets into a single facility to free up cash and simplify reporting.

Send it through

Have a case in front of you?

Five minutes on the phone with Paul usually settles whether the deal works — and at what cost.

Start the enquiry Call 07967 614 256

Use cases

Where this product earns its place.

  1. 01

    Trading business buying its premises

    Stop paying rent. Acquire the premises the business already trades from, fix the cost of occupation, and build equity into the balance sheet.

  2. 02

    Landlord acquiring an investment unit

    Fund the acquisition of a let commercial unit — single tenant or multi-let — sized to the rent and the term certain on the lease.

  3. 03

    Refinancing off a bridge

    Term-out a bridging facility used for a quick commercial acquisition onto a long-term mortgage at a sensible rate.

  4. 04

    Mixed-use freehold acquisition

    High street parade or shop-with-flats freeholds funded as a single semi-commercial loan.

Questions

Common ground.

How does a commercial mortgage differ from a buy-to-let?
Buy-to-let funds residential property let on an AST. Commercial mortgages fund commercial premises — shops, offices, industrial, leisure — where the tenant signs a commercial lease and the lender underwrites the business or the lease income.
Will I need to put down more deposit than on a residential mortgage?
Yes — expect 25 – 30% deposit on most cases. Owner-occupier deals can stretch higher LTV than pure investment loans.
What about semi-commercial property?
Shop-with-flat-above and similar mixed-use freeholds are well-served by specialist semi-commercial lenders, often at LTVs closer to investment BTL than pure commercial.
Are commercial mortgages regulated?
Commercial mortgages are generally not regulated by the Financial Conduct Authority. Where the property is partly residential and the borrower or family member occupies it, the regulated boundary can apply — we'll always confirm at fact-find.

Get a route

Tell us about the deal.

Four short questions. Paul replies inside one working hour with a named lender and an indicative cost.

Speak to a specialist

Send the brief.

Inside one working hour we'll come back with a named lender, a realistic timetable, and an indicative cost.

Step 1 of 4 · Deal type

Also at the desk

Short-term capital

Bridging Loans

Fast, flexible short-term funding for property purchases, refurbishments, auctions and chain-break scenarios.

Ground-up & heavy refurb

Development Finance

Stage-drawn funding for ground-up residential development, conversions and substantial refurbishment projects.

Specialist BTL

HMO & Portfolio Finance

Long-term mortgages for HMOs, multi-unit blocks and portfolio landlords — including limited-company SPV structures.

Next step

When the deal lands on your desk, don't wait on a high-street underwriter.

Speak to Paul directly. Five minutes on the phone tells you whether the case is fundable, who the right lender is, and what the realistic timetable looks like.

WhatsApp