Regulated & unregulated
Own the premises your business trades from
Long-term funding for the purchase, refinance or investment of commercial and mixed-use property — owner-occupied or tenanted.
At a glance
- Facility size
- £100k – £10m
- Typical term
- 5 – 25 years
- LTV
- Up to 75%
- Rates
- Fixed or variable
Why clients use it
Stop paying rent
Turn a monthly outgoing into equity in an asset you own.
Investment appetite
Single lets, multi-tenant, semi-commercial and portfolio lending.
Rate negotiation
Terms reviewed and challenged before they reach you.
Refinance reviews
Existing facilities re-benchmarked as the market moves.
How we structure it
The detail
Mortgage funding for commercial and mixed-use premises, placed with lenders whose appetite matches the asset and the tenant profile.
Typically suited to
- Owner-occupiers buying their trading premises
- Property investors buying commercial units
- Landlords refinancing at the end of a fixed period
- SIPP and pension-linked purchases
Common questions
How much deposit is needed?
Typically 25–30%, though owner-occupied purchases can sometimes be geared higher with additional security.
How long does it take?
Six to ten weeks is common, driven mostly by valuation and legal work.
Not sure this is the right route?
Tell us the requirement and we will point you to the structure that actually fits — even if that means a different product.
Talk it through