What is a Commercial Mortgage?
A commercial mortgage is a loan used by businesses, investors or landlords to purchase or refinance property. Unlike residential mortgages, these are designed for income-generating or business-use properties such as:
- Offices
- Retail shops
- Warehouses
- Industrial units
- Mixed‑use developments
Commercial mortgages are commonly used to expand operations, secure premises or invest in property for long-term returns.
Commercial Mortgages – How They Work
Commercial mortgages differ from residential mortgages and are assessed based on both the property and your business finances.
Lenders will typically consider:
- Business turnover and profitability
- Credit history (business and personal)
- Deposit size (usually 20–40%)
- Property type and rental income (if applicable)
Loan terms are often between 5 and 25 years, with repayment options structured to suit your cash flow.
What Deposit Do You Need for a Commercial Mortgage?
Most commercial mortgage lenders require a deposit of 20% to 40% of the property value.
The exact amount depends on:
- Your business financials
- The type of property
- Your experience as a borrower
- The level of risk involved
A larger deposit can often unlock better interest rates and more flexible lending options.
How We Can Help You
Finding the right commercial mortgage can feel complicated, especially with so many lenders, products and criteria to compare — but that’s exactly where Mortgage Force can help. As certified commercial mortgage specialists, we guide you through the entire process with clear, straightforward advice. We explain everything in plain English, outline what lenders look for, and help you understand your options from the very beginning. Every business is unique, so we take the time to understand your goals, cash flow, growth plans and property requirements before recommending the right funding solution.Our expert team compares deals from a wide range of commercial mortgage lenders to secure competitive rates that suit your needs. We manage the application process for you, from organising paperwork to carrying out eligibility checks, reducing stress and speeding up approvals. Beyond securing the mortgage itself, we also offer long-term planning support — advising on repayment structures, refinancing opportunities and how your chosen mortgage can help your business expand in the future. With Mortgage Force, you get tailored commercial finance solutions and expert support every step of the way.- Save time and money: We do the research and negotiations for you.
- Clear advice: No jargon, just straightforward answers.
- Trusted expertise: Years of experience helping businesses secure the right finance.
- Ongoing support: We’re here not just for the mortgage, but for your business journey.
We support businesses nationwide, including Derby, Cambridge, London or Edinburgh providing both local expertise and national lender access.
Ready to Get Started?
Getting started is simple. Here’s what you’ll need to do:
1. Initial consultationDiscuss your business, property and funding requirements
- 2. Gather documents
Business accounts, financials and property details
- 3. Mortgage comparison
We source the best deals from multiple lenders
- 4. Submit your application
We handle paperwork and lender communication
- 5. Approval & completion
Funds are released and your purchase or refinance is completed
Some kind words from our clients
Rachel has been incredible in securing us a mortgage and I cannot recommend her highly enough. The whole process was clear from beginning to end and Rachel kept us up to date every step of the way. We had a tricky property to mortgage and Rachel was able to secure us a good product from a high street lender. I have recommended her to friends and family and would use her again for any future mortgages. Thanks Rachel!
A 5 star experience of first time buying thanks to Rachel and Joanne. I was worried buying a home would come with so much stress but I can honestly say it’s been more or less stress free! Quick and professional communication and even got a better mortgage deal than I thought! Can’t recommend or thank them enough!
Rachel and Jo at Mortgage Force were outstanding start to finish. They went above and beyond with everything they did, helping us to purchase our first home. We've been told many times how stressful buying a house is but with Mortgage Force it felt like a breeze! Rachel was informative and broke everything down so that we fully understood all of the house buying lingo and both Jo and Rachel were friendly, helpful, super quick to respond to any queries and just a pleasure to deal with.
Commonly asked questions about commercial mortgages.
Commercial mortgages can be structured in different ways depending on your goals:
- Owner-occupied mortgages: For businesses buying their own premises
- Commercial investment mortgages: For rental income or property investment
- Semi-commercial mortgages: Mixed residential and commercial properties
- Bridging finance: Short-term funding for quick purchases
Loan amounts vary depending on your business finances, property value and lender criteria. Most lenders will assess affordability based on income, profit and rental potential.
Yes, most lenders require a deposit. Typically, this is between 20–40% of the property value, depending on your business finances and the lender’s criteria.
It may be more challenging, but not impossible. Some specialist lenders offer commercial mortgages for businesses with poor credit history, though rates may be higher.
Commercial mortgages usually run between 3 and 25 years, giving businesses flexibility to choose terms that suit their cash flow.
Rates vary depending on your business profile, the property type, and the lender. We help you compare competitive commercial mortgage rates to find the best deal
Yes, many investors use commercial mortgages to purchase buy to let properties, offices, or retail units as part of their portfolio.
