Commercial Mortgages
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We will provide you with ready access to over 50 major commercial mortgage lenders very active in the market who will look to provide a commercial mortgage at competitive rates up to 30-year terms. We can provide both capital and interest repayment schemes or ‘easy start’ interest-only options.
If you are looking to purchase a commercial property for your own occupation, via a SIPP as a longer-term investment or perhaps you wish to purchase a trading business or re-mortgage an existing property then speak to the experts within our team.
Commercial Investment
Commercial investment mortgages are a powerful tool for acquiring or refinancing properties intended for leasing or investment purposes, enabling you to capitalise on rental income and property appreciation.
Owner-Occupier
Owner-occupier mortgages are for businesses seeking to purchase property for their own use, providing stability and potential financial benefits as business owners gain control over their operational spaces.
To assess your best commercial mortgage option, we will need to understand more about your business and confirm the ability to repay the mortgage from business profits or other sources of income. In general terms, we can offer mortgages up to 75% of the freehold / long leasehold value of the property or business being purchased.
We can also assist with a broad range of Buy-to-Let mortgage products on both fixed and variable interest rates. If you are currently occupying a commercial property as a sitting tenant and running a profitable business then we can offer special rates and generally a higher loan to value – please call us for details.
Commercial Mortgages UK 2025
Expert Funding Solutions for Limited Companies, SMEs & Property Investors
Looking to purchase, refinance or develop commercial property in the UK? At Finish Finance, we connect businesses and investors with tailored commercial mortgage solutions from over 50 active lenders—ensuring competitive rates and expert guidance every step of the way.
What is a Commercial Mortgage?
A commercial mortgage is a secured loan used to buy, refinance, or develop property for business or investment purposes. Whether you’re a limited company, sole trader, partnership or property investor, we can help you access the funding you need.
Suitable for:
- Limited companies (incl. SPVs)
- Sole traders and partnerships
- SMEs and growing businesses
- Commercial landlords and investors
Commercial Mortgages for Limited Companies & SPVs
Many investors now use Special Purpose Vehicles (SPVs)—limited companies set up specifically for property investment—to benefit from favourable tax structures and streamlined lending.
Features of SPV Mortgages:
- Tailored products designed for property investment companies
- Competitive LTVs and underwriting based on rental income
- Suitable for both new and established SPVs
Lender Considerations:
- Company structure and SIC code
- Director experience and financial standing
- Business plan and rental projections
We work with both mainstream and specialist lenders who actively support SPVs and limited company applicants.
Get Your Commercial Mortgage Quote Today
Complete our quick form and receive personalized rates from our panel of 50+ lenders
How to Apply for a Commercial Mortgage in 2025
Here’s how we guide you through the process:
- Initial Consultation – Understand your goals and financial position
- Lender Matching – We shortlist lenders that best suit your profile
- Document Preparation – Help with business plans, accounts and ID checks
- Application Submission – Managed directly with the lender
- Valuation & Legal – We support you through valuation and legal checks
- Approval & Completion – Ensuring a smooth, timely finish
Who We Help
Finish Finance provides commercial mortgage solutions for:
- New businesses or startups (with strong business plans)
- Established companies looking to expand or refinance
- Property developers seeking funding for mixed-use or commercial sites
- Landlords expanding their portfolio with commercial units
Eligibility Criteria
While each lender has its own approach, the following are commonly required:
2+ years of trading history (some new businesses accepted) Clean business credit history Deposit of 25–40% of the property value Detailed business plan and cash flow projections Personal guarantees from directors (in most cases)
Don’t meet all the above? We can still help—our panel includes flexible lenders open to startups and new SPVs.
Compare Commercial Mortgage Lenders UK
We work with:
- High street banks
- Challenger banks
- Specialist lenders
- Peer-to-peer platforms
- Private lenders for complex deals
Whether you’re seeking speed, flexibility, or maximum LTV, we’ll help you choose the right lender for your circumstances.
Frequently Asked Questions
What documents are required?
- Company accounts
- Business plan
- Director identification
- Property details and valuation
Can new businesses apply?
Yes. Startups can be eligible—especially with a solid business plan and deposit.
What’s an SPV mortgage?
A Special Purpose Vehicle mortgage is designed for a company created specifically to buy and manage investment property. SPVs often benefit from simplified underwriting.
Fixed vs. Variable rate – which is better?
Fixed rates offer repayment stability; variable rates may be lower initially but can rise. Your decision depends on cash flow and risk tolerance.
What our Unique Customers’ FAQs on Commercial Mortgages (UK 2025)
- Can my overseas business or directors apply for a UK commercial mortgage?
Yes, but most lenders now require a UK trading presence. Offshore ownership can add complexity due to anti-money laundering (AML) checks and stricter documentation requirements.
- What counts as “acceptable security” for a commercial mortgage in 2025?
Lenders increasingly scrutinise asset class:
- Mixed-use properties and non-standard commercial assets (gyms, childcare, coworking spaces) require specialist lenders. We have existing relationships with these specialist lenders.
- Energy efficiency (EPC rating) now impacts eligibility and rates—high EPC-rated buildings may receive preferential terms.
- Are there special mortgages for “green” commercial developments or retrofits?
Yes. Some lenders in 2025 offer “green commercial mortgages” with lower rates or arrangement fees if the property meets specified sustainability standards or is being retrofitted to improve energy performance.
This is becoming a significant differentiator as UK climate regulations tighten.
- Will planning consent or change of use applications derail my funding?
- Lenders may decline or delay funding if planning consent is not yet granted for intended use. It is usually better to use Bridging Finance until the planning consent is obtained. Some specialist lenders will consider development finance for light refurbishments and/or works within Permitted Development Rights where we can get lending for cost of development works too.
- Are commercial mortgages available for “non-traditional” businesses—such as tech start-ups or social enterprises?
- It’s possible, especially through specialist lenders.
- These cases typically require robust business plans, professional forecasts, or alternative collateral (e.g., intellectual property).
- Some challenger banks are more open to novel sectors not backed exclusively by “bricks-and-mortar.”
- How can a start-up qualify for a commercial mortgage if it lacks trading history?
- Some lenders consider strong outside income/support from founders, “skin in the game,” or future contracts.
- “Rent-to-own” or “fractional ownership” schemes are rare, but emerging in the tech/start-up property space.
- Are there new tax pitfalls for using a limited company to hold commercial property in 2025?
- Interest deductibility rules and corporation tax bands have shifted; many now need proactive accountancy advice.
- The Annual Tax on Enveloped Dwellings (ATED) may affect certain property types if owned via a company.
- Our director being an high Net Worth Individual has personal experience of tax implications and therefore is able to guide and recommend you appropriate accountant for streamlined process.
Get Your Commercial Mortgage Quote Today
Complete our quick form and receive personalized rates from our panel of 50+ lenders
Uncommon Aspects Affecting Eligibility (2025)
Factor | Impact on Approval (2025) | Notes |
Overseas ownership | More documentation, fewer lenders | At least UK Registered Company Required |
EPC Rating | Lower EPC may restrict access/rates | Green mortgages available for high EPC |
Cryptocurrency wealth | Possible with proof; specialist lenders only | Not typical for high street banks |
Planning consent status | Funding often delayed until consent granted | Staged drawdown can help transitional projects |
Business sector (e.g. tech, social) | Can be harder; strong plan/collateral needed | Challenger banks more open to new sectors |
Get Expert Help Today
Our team has 100+ years’ combined experience in arranging commercial mortgages. Whether you’re a growing business or professional investor, we’ll help you secure funding that fits your goals.
Speak with a commercial mortgage adviser
Request a personalised quote today
Compare 2025 commercial mortgage rates now
Related Services
- Buy-to-Let Mortgages
- Property Development Loans
- Bridging Finance
- Business Loans & Working Capital