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Commercial Finance

Whether you’re expanding your business, investing in property, or need fast funding to move a project forward, we’ll help you find the right commercial finance solution.

From commercial mortgages to bridging, development finance and secured loans, our experts guide you through the whole process — from application to completion — so you can make confident decisions with no unnecessary delays.

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What Can Commercial Finance Help You Achieve?

Commercial lending covers a wide range of needs — from property investment to business expansion. Whether you’re looking for fast funding or long-term stability, we’ll help you find the right option for your situation.

You might use commercial finance to:

  • Purchase business premises – buy the building you operate from, and stop paying rent.

  • Invest in commercial or mixed-use property – offices, shops, warehouses, HMOs, and more.

  • Fund refurbishments or development projects – from light upgrades to full conversions.

  • Support business cashflow – short-term borrowing for seasonal or unexpected expenses.

We’ll compare lenders, explain your options in plain English, and help you secure competitive terms with confidence.

First time buyer mortgage guides

We have a vast number of Guides for “First Time Buyers in the guides section of our website.

First time buyer Stamp Duty Calculator

Our “First Time Stamp Duty Calculator can help you an indication of stamp duty costs as a First Time Buyer. These are used as a guide but free and easy to use with no credit checks involved.

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3 Steps to be Commercial Confident

Tell us about your project or funding requirement

Whether you’re acquiring a commercial property, raising capital for your business, refinancing an existing facility, or funding a development — share your plans, timelines, and goals.

We’ll take the time to understand the structure of the deal, the asset, your business model, and your long-term strategy.

Get specialist commercial finance advice

You’ll work with an adviser who understands commercial lending, including bridging, term loans, development, and investment finance.

We’ll assess the numbers, outline your funding options in plain English, compare lenders across the market, and recommend the most suitable solution based on your objectives, cash flow, and exit strategy.

We manage the entire funding process for you​

From application to completion, we liaise directly with lenders, valuers, and solicitors to keep your deal moving quickly and efficiently.

We negotiate terms, manage documentation, and overcome issues before they delay your case — ensuring a smooth, transparent process so you can stay focused on your business or project.

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Download our FREE first time buyer’s guide

We’ll send you important industry news and information to keep you in the loop with what’s happening in the mortgage industry.

Different types of mortgages

Commercial Mortgages

Used to buy or refinance commercial property such as offices, warehouses, retail units, care homes, or mixed-use buildings.
Commercial mortgages can be taken in a personal name or through a limited company, with terms typically ranging from 5–25 years.

Commercial Bridging Loans

Short-term funding (usually 1–18 months) used when you need finance quickly — for purchases, refinancing, solving cashflow gaps, or completing before long-term lending is ready.
Often used for auction purchases, time-sensitive transactions, or chain breaks.

Development Finance

Structured funding for ground-up builds, conversions, or major refurbishments.
Finance is released in stages, helping you manage cash flow and keep your project moving until sale or refinance.

Refurbishment Loans

Short-term funding for light or heavy refurbishment projects.
Ideal for improving a property before refinancing, increasing rental value, or preparing for sale.

Business Loans & Working Capital Finance

Unsecured or secured funding to support business operations — including expansion, cashflow support, asset purchases, or equipment upgrades.
Terms are flexible, and approval is often much faster than traditional bank routes.

Semi-Commercial Mortgages

For mixed-use buildings like flats above shops, part-residential/part-commercial units, and properties with multiple income streams.

How much can I borrow with a commercial loan?

How much you can borrow depends on your business income, the type of property, and the lender’s criteria — but commercial finance is more flexible than traditional mortgages.

Typical loan-to-value (LTV) ranges

  • Commercial mortgages: Up to 70% LTV (sometimes 75% for strong applications)

  • Semi-commercial property: Up to 75% LTV

  • Commercial investment (tenanted): Around 60%–70% LTV

  • Owner-occupied mortgages: Up to 70%–80% LTV depending on accounts and sector

  • Bridging loans: Typically 65%–75% LTV, higher with extra security

  • Development finance: Based on project viability, not just LTV — often up to 70% of land value and 100% of build costs

The figures are indicative only and do not constitute a guaranteed offer. If you want clarity on borrowing power, we’ll compare lenders and give you options tailored to your project.

Not sure what you need? Speak to a commercial expert.

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Buy to let remortgages

Remortgage your existing buy to let a better deal.

Buy to let remortgages

Remortgage your existing buy to let a better deal.

Buy to let remortgages

Remortgage your existing buy to let a better deal.

Buy to let remortgages

Remortgage your existing buy to let a better deal.

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CLIENT’S TESTIMONIALS

What our Customers say

Check what our customers are saying about us.

“Ashley worked so hard and continuously had my best interests at heart. Excellent advice throughout. It was a long hard battle to sort the purchase through no fault of hers or mine. She took complete ownership and without her it never would have succeeded. Cannot recommend her highly enough.”
Richard B
“Working with Mortgage Confident has been one of the best decisions I've made, the broker involved went the extra distance by securing a bridging loan to avoid losing the onward purchase when my house sell fell through. I wouldn't go anywhere else for my mortgage advice."
Margaret D
“Maire from Mortgage Confident has helped us so much from day one to completion. She helped us with everything from mortgage, house insurance to life insurance. Keeping us well informed as to every step. She even managed to get us a better rate twice throughout the process and ensured we were happy and understanding. 100% will use Maire when it comes to our term being up.”
Lyndsie C
“We’ve used Maire for both our personal and business mortgages and we cannot rate her highly enough. We’ve felt very supported through each application and she’s been able to answer any questions we had with great expertise. Maire has ensured we got the best deals and at a time when interest rates are rocketing we just can’t thank her enough. We would highly recommend this company..”
Brooke R
“I first met Pete when I was struggling to get a mortgage he then put me in the hands of Ashley and I’m glad he did. She was amazing Ashley not only managed to get me a mortgage when no one else could but one with a good deal. Ashley was always on the other end of the phone whenever I needed advice or help on the process and took the stress out of the whole process, even after securing the AIP she continued to help as much as she could with chasing up things that needed doing. Ashley is amazing and I would not recommend anyone else.”
Leon C
Customer experiences are individual and do not guarantee similar outcomes. Results depend on your circumstances and lender decisions.

Commercial Finance FAQs

What types of commercial finance can you help with?

We advise on a wide range of commercial borrowing options, including commercial mortgages, semi-commercial loans, commercial bridging finance, refurbishment finance, development finance, and business loans secured against property.

Most commercial lenders require a deposit of 20%–40%, depending on the property type, your business financials, and whether the building is owner-occupied or an investment.

Commercial loan amounts are assessed on a case-by-case basis. Many lenders offer up to around 70–75% loan-to-value, or potentially more where additional security is available. Business income, rental income, and overall credit profile are key factors.

Semi-commercial lending can sometimes offer more favourable terms than pure commercial lending, depending on the residential element and lender criteria.

Yes — many investors purchase commercial property through a limited company (SPV or trading company). Lenders will review company accounts, director guarantees, and the property’s affordability.

Commercial bridging loans provide short-term funding, often used for buying, refinancing, or renovating property. Terms typically range from 6–18 months, with repayment usually coming from a sale, refinance, or business cash flow.

For an owner-occupied commercial mortgage, most lenders ask for 2–3 years of accounts.
For investment property, lenders typically focus on rental income rather than business accounts — which can make this an option for some first-time commercial landlords.

Yes — lenders offer refurbishment, bridging, or development finance depending on the scale of the work. Anything structural or involving planning permission typically falls under development finance.

Commercial applications often take around 6–12 weeks, depending on valuations, legal work, and property complexity. Bridging loans may complete more quickly where circumstances allow.

Refinancing may help reduce monthly costs, release equity, consolidate debt, or move onto a longer-term commercial mortgage after short-term finance, depending on your circumstances and lender criteria.