Looking for a commercial mortgage adviser for business premises you own or plan to buy?
Use our Owner-Occupied Commercial Mortgage Adviser Search to find advisers who can discuss commercial finance for a property used by your own business. You can filter by language, location and adviser preference, then choose who you want to contact.
This page is for business owners, company directors, self-employed professionals and trading businesses looking for finance on premises they occupy. If you are buying or refinancing a commercial property that will be let to another business, you may need a commercial investment property mortgage adviser instead.
Connect Experts is a UK adviser search platform. We do not provide mortgage advice directly. Advice is provided by the adviser or firm you choose.
Filter advisers by language, gender and location
Why Connect?
What is an owner-occupied commercial mortgage?
An owner-occupied commercial mortgage is usually used when a business buys or refinances premises it trades from. This could include an office, shop, warehouse, workshop, surgery, studio, restaurant, industrial unit or other commercial property used by the business.
Unlike a commercial investment mortgage, the property is not mainly being purchased to rent out to another business. The focus is on the business occupying the premises and showing how the borrowing may be supported.
A commercial mortgage adviser can help you understand what lenders may want to review before an application is considered.
This may include:
- Business trading history
- Business accounts
- Profitability and affordability
- Deposit or equity available
- Property type and condition
- Loan purpose
- Repayment plan
- Credit profile
- Existing business borrowing
- Whether the property is already owned or being purchased
Who is this adviser search for?
This search may be suitable if you are:
- Buying premises for your own business
- Refinancing a commercial property your business already occupies
- Moving from rented business premises to owned premises
- Expanding into a larger office, unit, shop or workspace
- Looking for an adviser who understands commercial mortgage criteria
- Comparing advisers before deciding who to contact
- Searching for an adviser by location, language or personal preference
If your finance need is different, you may also want to search for a business loan adviser, commercial bridging loan adviser, development finance adviser or commercial investment property mortgage adviser.
For a wider commercial search, visit our commercial mortgage adviser search.
Why adviser choice matters for owner-occupied commercial finance
Owner-occupied commercial mortgage applications can be more detailed than some standard residential mortgage enquiries. Lenders may look at both the property and the strength of the business.
The right adviser can help explain the process clearly and may help you understand what documents could be needed. This can make the next step feel more organised before you decide whether to proceed.
An adviser may discuss areas such as:
- How long the business has been trading
- How the business earns income
- Whether accounts are available
- How the property will be used
- Whether the premises are suitable for the business
- Deposit, equity and loan-to-value expectations
- Potential lender criteria
- Mortgage costs, fees and timescales
Connect Experts does not recommend a specific lender or product on this page. The purpose of this search is to help you find advisers with relevant commercial mortgage experience.
Why Do We Offer Our Clients Gender Options?
We always provide our services without discrimination. However, we understand and respect that in certain situations, a client may have a valid reason for preferring a mortgage adviser of a specific gender. We aim to accommodate these preferences when possible:
Cultural or Religious Reasons: Some clients have cultural or religious beliefs that limit their interactions with individuals of a certain gender.
Personal Comfort and Trust: Discussing personal finances and private information can be sensitive. A client might be more comfortable or find it easier to trust an adviser of a certain gender, possibly due to past experiences or personal comfort levels.
Language and Communication Styles: Effective communication is key in financial advising. Some clients may feel that an adviser of a particular gender better understands their communication style or needs.
Gender-Specific Experience or Expertise: Occasionally, a client may seek an adviser of a specific gender due to the adviser’s experience or expertise in handling issues particularly relevant to that gender. For example, a female client may prefer a female adviser experienced in managing mortgage issues affecting women, such as the implications of maternity leave on mortgage applications.
