Commercial Finance

Commercial loans information

Helping you maximise the opportunity

From meeting lender requirements to negotiating terms, there are many challenges you face when trying to secure the right commercial mortgage for your needs.

Want to get back to focusing on your business? Then let our expert commercial finance brokers use their market understanding, and long-term relationships with lenders, to craft you a bespoke financial solution.

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What is a commercial mortgage loan?

A commercial mortgage is generally a type of loan secured against a property that is used for business purposes.

Commercial mortgages are designed for businesses to borrow money to purchase or refinance a variety of non-residential property types. These include business premises, commercial buy-to-let properties, mixed-use properties that combine residential and commercial elements, and even land. They can also be used to purchase a business, including the property owned by the business (e.g. a shop).

There are a range of scenarios for which commercial lending is appropriate. These range from the purchase of a shop or a freehold containing a shop and flat above (sometimes known as a ‘shop and uppers’), through to larger-scale purchases such as an office building or hotel.

How do commercial mortgages work?

Many people use their experience of residential mortgages when trying to understand how commercial mortgages work but the two have differences.

While the residential mortgage application process is highly automated, commercial mortgage applications are manually processed. This is because every business has a unique way of working, so commercial property loans need to be flexible. Although this can slow the mortgage process, it also makes it possible to secure funding that’s tailored to your unique business needs.

Commercial property loans also differ from residential mortgages in that there are usually no fixed rates. They usually come with higher interest rates as well, as lenders consider them to be a riskier type of loan. But since they’re secured against property, they tend to offer better interest rates than regular business loans.”

— Advisor working for Next3Gen

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How to get a commercial mortgage

It isn’t advisable to try to get a business property loan directly from lenders yourself. The process of comparing different lenders’ offerings and making an application can be complex and time-consuming.

Without proper understanding of lender requirements and the preparation of documents, you might find it difficult to present your application in the most favourable light. If problems arise during the application process, you won’t have experience of how to solve them, which could lead to delays or even rejection.

The simplest, most efficient way to get a commercial mortgage is to partner with specialist brokers. Our experts can take the heavy lifting out of the process for you, achieving the best results for you in the shortest time possible – leaving you to focus on your day-to-day business.

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How our commercial mortgage process works

Understanding your needs
You tell us about yourself and your business, including your financial situation and goals. We’ll use this information to tailor the lenders and commercial mortgage deals we find to best serve your needs.

Negotiating with lenders
We search our vast network for suitable lenders, giving you access to a wider range of financing options. Then, we use our long-standing relationships and industry expertise to negotiate the best terms possible for you.

Gathering documentation
We tell you which documents you need to make a commercial mortgage application and help you prepare them.

Submitting your application
We complete your forms for you, presenting your application in the most favourable light to maximise your chances of approval.

Delivering ongoing support
We continue to advise you until you secure your commercial property loan, resolving any issues as they arise and giving you regular updates on progres

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