Find a commercial mortgage broker who understands business property finance, lender criteria and the type of commercial funding you need.
Commercial mortgages are used to buy, refinance or raise capital against property used wholly or partly for business purposes. This may include offices, shops, warehouses, industrial units, care homes, restaurants, mixed-use buildings, trading premises and commercial investment property.
Connect Experts helps you compare commercial mortgage brokers across the UK. You can search by location, language, gender, advice method and area of expertise, then choose an adviser who is suited to your business or property investment plans.
What is a Commercial Mortgage?
A commercial mortgage is a loan secured against a property used for business or investment purposes. It can be used by trading businesses, limited companies, partnerships, sole traders, landlords and investors.
Commercial property finance is usually more complex than a standard residential mortgage. Lenders may assess the property, business accounts, rental income, lease terms, trading history, credit profile, deposit, sector risk and exit strategy.
A commercial mortgage broker can help you understand which lenders may consider your case before you apply. This matters because different lenders have different views on property type, business sector, loan size, loan to value, repayment method and borrower structure.
Why use a Commercial Mortgage Broker?
Commercial mortgages are not always easy to compare online. Many lenders assess each case individually, and some commercial lenders only work through brokers or selected intermediary channels.
A commercial mortgage broker can help by:
- Reviewing your business or investment objective
- Explaining what documents lenders may request
- Comparing suitable lenders for your property type
- Checking whether the case fits lender criteria
- Presenting the application clearly to the lender
- Helping you understand rates, fees, repayment terms and risks
- Supporting communication between you, the lender, valuer and solicitor
This can be especially useful if your case involves a limited company, mixed income, a specialist property, adverse credit, multiple properties, short trading history, complex leases or a need to complete quickly.
Who This Page is For
This page is for people searching for commercial mortgage brokers in the UK.
You may be:
- A business owner buying your trading premises
- A landlord buying a commercial investment property
- A company director refinancing business premises
- A property investor buying a mixed-use building
- A developer planning a conversion or refurbishment
- A borrower looking to raise capital against commercial property
- A buyer who needs short-term finance before moving to a longer-term mortgage
If your property is mainly residential and rented to tenants, you may need buy-to-let mortgage brokers instead. If the property has both commercial and residential parts, such as a shop with flats above, you may need semi-commercial mortgage brokers.
Types of Commercial Mortgage Broker Support
Business loans and wider commercial finance
Not every business funding need requires a commercial mortgage. If you need funding for business cash flow, equipment, expansion or working capital, a business loan may be more suitable.
Development finance
Development finance may be used for building, conversion or heavy refurbishment projects. Funds are often released in stages as work progresses.
A development finance broker may help with:
- Ground-up development
- Commercial conversions
- Mixed-use schemes
- Refurbishment projects
- Planning-led property finance
- Exit planning through sale or refinance
Commercial investment mortgages
A commercial investment mortgage may be used when the borrower buys or refinances commercial property that is let to another business.
Lenders may assess:
- Rental income
- Lease length
- Tenant quality
- Property type
- Location
- Valuation
- Borrower experience
- Wider portfolio strength
This type of finance may suit investors buying offices, retail units, industrial premises, warehouses, mixed-use buildings or other income-producing commercial property.
Semi-commercial mortgages
A semi-commercial mortgage may be suitable where a property has both commercial and residential use. A common example is a shop with a flat above.
These cases can require specialist lender knowledge because affordability may depend on both commercial rent and residential rental income.
For mixed-use property support, compare semi-commercial mortgage brokers.
Commercial bridging loans
Commercial bridging finance is short-term funding. It may be used when speed is important or when the property does not yet fit long-term lender criteria.
Common uses include:
- Buying at auction
- Completing before a long-term mortgage is ready
- Refurbishing commercial property
- Resolving title or lease issues
- Purchasing a property that needs work before refinance
- Supporting a time-sensitive business property purchase
Bridging loans can be more expensive than longer-term finance, so the exit route is important.
Commercial investment mortgages
A commercial investment mortgage may be used when the borrower buys or refinances commercial property that is let to another business.
Lenders may assess:
- Rental income
- Lease length
- Tenant quality
- Property type
- Location
- Valuation
- Borrower experience
- Wider portfolio strength
This type of finance may suit investors buying offices, retail units, industrial premises, warehouses, mixed-use buildings or other income-producing commercial property.
Commercial remortgages and refinancing
You may want to refinance a commercial mortgage to review your rate, restructure repayments, release equity or move from short-term finance to longer-term borrowing.
A broker can help review:
- Current loan balance
- Property value
- Existing lender terms
- Early repayment charges
- Business affordability
- Rental income
- Capital raising plans
- Exit strategy
Refinancing may support business growth, property improvement, debt restructuring or investment planning. You should always consider the cost, risk and long-term affordability before proceeding.
How lenders assess commercial mortgage applications
Commercial mortgage lenders usually assess the borrower, the property and the purpose of the loan.
They may consider:
- Property type and condition
- Property value
- Loan amount
- Deposit or equity available
- Loan to value
- Business accounts
- Trading history
- Profit and cash flow
- Rental income
- Lease terms
- Tenant profile
- Credit history
- Sector experience
- Repayment method
- Exit strategy
- Director or shareholder background
- Whether the borrower is an individual, partnership, sole trader or limited company
The stronger and clearer your application is, the easier it may be for a lender to understand the risk. A broker can help prepare the case before it is submitted.
How much deposit do you need for a commercial mortgage?
Commercial mortgage deposits vary by lender, property type, borrower strength and risk. Many commercial mortgage cases need a larger deposit than a standard residential mortgage.
A lender may ask for a higher deposit where:
- The property is specialist or unusual
- The business has limited trading history
- The borrower has adverse credit
- The income is complex
- The lease is short
- The property is vacant
- The loan is for an investment property
- The sector is viewed as higher risk
A commercial mortgage broker can help you understand what deposit range may be realistic for your case.
What documents might you need?
Documents vary by lender and case type, but you may be asked for:
- Proof of identity and address
- Business bank statements
- Personal bank statements
- Business accounts
- Tax calculations or tax year overviews
- Profit and loss information
- Management accounts
- Details of existing borrowing
- Property details
- Lease details
- Tenancy schedule
- Business plan or forecasts
- Proof of deposit
- Asset and liability statement
- Company structure details
- Planning documents, where relevant
Preparing documents early can reduce delays.
Why Connect Experts?
Connect Experts helps you find commercial mortgage brokers based on what matters to you.
You can search by:
- Commercial mortgage type
- Location
- Preferred language
- Adviser gender
- Face-to-face, phone or online advice
- Area of expertise
This helps you find an adviser who is better matched to your property, business and communication needs.
Connect Experts is a broker directory and matching platform. We do not provide mortgage advice directly. Advice is provided by the adviser or firm you choose.
Commercial mortgage brokers by language and location
Commercial finance can involve complex terms, lender conditions and financial documents. Clear communication matters.
If English is not your first language, or if you prefer to speak about business finance in another language, you can search for a broker who speaks your preferred language.
Find a mortgage broker by language
You can also search for advisers by location if you want local knowledge or prefer face-to-face support.
Our Commercial Mortgage Brokers
The advisers shown below may be able to support clients with commercial mortgages, depending on availability and specialism. Review each profile before making contact to choose an adviser with experience relevant to your needs.
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FAQ: Commercial Mortgage Brokers
| Question | Answer | Useful links |
|---|---|---|
| What does a commercial mortgage broker do? | A commercial mortgage broker helps businesses and property investors find finance for commercial property. They compare lenders, review your circumstances, help prepare the application and guide you through the process. | Find a commercial mortgage broker |
| Do I need a broker for a commercial mortgage? | You do not always need a broker, but commercial mortgage applications can be complex. A broker may help if you want access to a wider range of lenders, have a specialist property, need help with affordability, or want support structuring the case. | Compare commercial mortgage advisers |
| What is the difference between a commercial mortgage and a residential mortgage? | A residential mortgage is usually for a property you live in. A commercial mortgage is for property used for business or investment purposes. Commercial lenders may assess business accounts, rental income, lease terms, trading history and property risk. | Find a mortgage adviser |
| Can I get a commercial mortgage through a limited company? | Yes, many commercial property purchases are made through limited companies. Lender criteria, affordability and documentation will depend on the company, directors, property and purpose of the loan. | Find a commercial mortgage broker |
| Can a commercial mortgage broker help with semi-commercial property? | Yes, some commercial mortgage brokers help with semi-commercial property, such as a shop with a flat above. These cases may need specialist lender knowledge because both commercial and residential income may be relevant. | Semi-commercial mortgage brokers |
| Can I refinance a commercial mortgage? | Yes, refinancing may be possible if you want to review your rate, restructure the loan, raise capital or move from short-term finance to a longer-term product. Suitability depends on your circumstances and the property. | Compare commercial mortgage advisers |
| Can a commercial mortgage broker help with bad credit? | Some brokers work with specialist lenders who may consider adverse credit. The outcome depends on the type, date and severity of the credit issue, as well as affordability, deposit and property risk. | Find a commercial mortgage broker |
| How long does a commercial mortgage take? | Timescales vary. A straightforward case may move faster, while complex cases can take longer because of valuation, underwriting, legal work and document checks. Preparing documents early can help reduce delays. | Start your commercial mortgage search |
| Are commercial mortgages regulated? | Some commercial mortgages are not regulated by the Financial Conduct Authority. Regulation depends on the borrower, property use and loan structure. Your adviser should explain whether your case is regulated and what protections apply. | Find a mortgage adviser |
| How do I find a commercial mortgage broker near me? | Use Connect Experts to search for commercial mortgage brokers by location, language, gender, advice method and specialism. | Find a commercial mortgage broker |
Important Information
Connect Experts is a mortgage adviser directory and matching platform. We do not provide mortgage advice directly. Advice is provided by the adviser or company you choose.
We are an FCA-approved broker network and not a lender. Advisers may have access to a range of lenders. If a lender is introduced, commission may be received after completion. The commission amount may vary by lender and product, but it should not affect the amount you pay under your credit agreement.
A fee may be payable for arranging your mortgage. Your adviser will confirm the amount before you choose to proceed.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.