Commercial mortgages to purchase or refinance business property
Whether you're buying premises for your own business to occupy, investing in commercial property to let, or refinancing an existing building, a commercial mortgage is usually the most cost-effective long-term route to ownership. The market includes a wide range of lenders, each with different views on property type, tenant strength, and borrower circumstances.
Quick overview
Used for
Commercial mortgages are used to purchase or refinance business premises, offices, retail units, industrial and warehouse space, and commercial investment properties. They can support owner-occupiers buying their own trading premises, as well as investors building a commercial property portfolio.
Suitable for
Suitable for established businesses looking to buy or refinance their own premises, and for investors purchasing commercial property to let. We work with limited companies, partnerships, sole traders and investment vehicles across a range of sectors.
Clearpath helps business owners and property investors navigate this market - comparing lenders, structures, and terms to find a mortgage that suits both the property and your broader plans.
Typical benefits
- Long-term funding that can be more cost-effective than renting premises over time
- Access to lenders who understand a wide range of property types and trading sectors
- Support comparing owner-occupier and investment mortgage structures
- Clear guidance on how lenders are likely to assess the property, the tenant (if let), and your business
Key considerations
- Lenders will assess both the property and the strength of your business or, for investment purchases, the tenant and lease arrangements
- Deposit requirements for commercial mortgages are often higher than for residential lending
- Property type, location and condition can all influence which lenders are realistically available
- Valuation, legal and survey costs form part of the overall cost of the transaction and are worth planning for early
Clear advice on commercial mortgages, from first call to completion
Whole-of-market comparison
We compare commercial mortgages across our panel of mainstream and specialist lenders to find options that genuinely fit your circumstances.
Plain-English guidance
We explain the costs, terms and trade-offs clearly, so you can make a confident, informed decision without the jargon.
A managed process
We prepare your case, liaise with lenders and keep you updated throughout - so you can stay focused on running your business.
Common questions about commercial mortgages
This varies depending on the lender, the type of property, and whether you'll be occupying it yourself or letting it to a tenant. Commercial mortgages generally require a higher deposit than residential lending. We'll give you a realistic figure once we understand the property and your circumstances.
You might also consider
Many businesses use a combination of finance types depending on what they're trying to achieve.
Talk to Clearpath about commercial mortgages
Call for a clear, no-obligation conversation about whether commercial mortgages is the right route - and what's realistically available to you.