Commercial mortgages for UK businesses and investors
Introductions to UK commercial mortgage specialists for owner-occupied premises and investment property. Bridge is not a lender, we introduce your enquiry to a specialist who can discuss suitability with you.
Commercial office premises suitable for owner occupied and investment commercial mortgages.At a glance
| Finance type | Commercial Mortgages |
|---|---|
| Coverage | UK-wide, London-priority |
| Service | Introduction to a UK finance specialist. Bridge is not a lender. |
| Typical timeframe | Assessment takes minutes. Onward timelines are set by the specialist you speak with. |
| Advice status | Not regulated financial advice. |
Common use cases
- Purchase of trading premises for an established UK business
- Refinancing existing commercial debt onto new terms
- Acquiring investment property, including multi-tenanted assets
- Portfolio restructures, equity release and inter-company transfers
Who it may suit
- Established trading businesses with clear filed accounts
- Company owners purchasing their own premises
- Property investors, landlords and portfolio owners
- UK-registered companies and SPVs with a clear repayment strategy
Availability, terms and eligibility are determined by the specialist you speak with.
Next step, start the Bridge Funding Intelligence Assessment or read how Bridge Commercial Finance introductions work. You can also compare every option on the UK commercial finance solutions overview or explore Scottish commercial mortgage coverage.
What is a commercial mortgage?
A commercial mortgage is a finance facility secured against commercial property rather than a residential home. Businesses and investors commonly explore commercial mortgages when they need funding for owner-occupied trading premises, offices, warehouses and industrial units, retail and mixed-use property, investment property acquisitions, refinancing existing commercial borrowing or portfolio restructuring.
The most suitable option depends on the property, business circumstances, financial position and provider criteria. Bridge is an introduction service only, we do not lend money and do not provide regulated financial advice. You can compare every option on the UK commercial finance overview.
Commercial mortgage uses
| Requirement | How commercial mortgages may help |
|---|---|
| Buying business premises | Funding the purchase of offices, warehouses, workshops and other trading locations |
| Investment property | Supporting acquisition of rental and commercial assets |
| Refinancing | Replacing existing commercial borrowing with a new facility |
| Portfolio management | Reviewing existing property finance arrangements |
Commercial mortgages vs other finance options
| Finance type | Common purpose |
|---|---|
| Commercial Mortgage | Long-term funding secured against commercial property |
| Bridging Finance | Short-term funding where timing is important |
| Development Finance | Construction, conversion and redevelopment projects |
| Asset Finance | Equipment, machinery and vehicle funding |
Also consider invoice finance and business loans where funding is not secured against property.
Commercial mortgage process
- 1Assessment
Share your property and funding requirements
- 2Review
Possible finance routes are considered
- 3Introduction
Suitable specialist providers may be introduced
- 4Application
The provider completes their own assessment and underwriting
Begin with the confidential Funding Readiness Assessment , it takes a few minutes and helps identify suitable specialist routes.
Property types commonly considered
- Offices
- Industrial units
- Warehouses
- Retail premises
- Mixed-use property
- Investment portfolios
- Business trading locations
Development schemes are usually funded through development finance, and Scottish requirements are covered on our Scottish commercial mortgage page.
Why use Bridge Commercial Finance?
- A confidential Funding Readiness Assessment
- Access to specialist commercial finance routes
- A structured introduction process
- Clear communication around next steps
- UK-wide specialist coverage
Bridge is an introduction service only. We do not lend money and do not provide regulated financial advice, read how introductions work.
Commercial mortgage guides
More detail on individual commercial mortgage scenarios and property types Bridge is asked about most often.
Guides and options
Frequently asked
Other finance solutions
All solutionsShort-term property funding while longer-term facilities are arranged.
Learn moreFunding property bought at auction, with refinance as the typical exit.
Learn moreGround-up, refurbishment and conversion schemes.
Learn moreOverview of every solution Bridge introduces.
Learn more