Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
SPECIALIST PROPERTY FINANCE
Commercial mortgages
Finance for owner-occupied premises, investment property and business expansion. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with commercial mortgages
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Finance premises and commercial property
Commercial mortgage terms are shaped by the property, business performance, tenant quality, lease and purpose of the loan. We package the transaction so lenders can understand both the asset and the people behind it.
Owner-occupied
Purchase or refinance premises used by your own trading business.
Commercial investment
Finance property let to third-party businesses, subject to lease and tenant assessment.
Semi-commercial
Structure borrowing for mixed-use assets containing residential and commercial space.
Expansion
Explore eligible capital raising for acquisition, refurbishment or business growth.
Your Smart Mortgages contact
Aaron and John can assess commercial-property enquiries and the appropriate finance route.
Finance premises and commercial property FAQs
How much deposit is required?
Commercial loan-to-value limits vary considerably by property, sector, experience and lender.
Will the lender assess my business accounts?
For owner-occupied property, lenders commonly assess trading performance and ability to service the debt.
Are commercial mortgages FCA regulated?
Many are not regulated mortgage contracts. The regulatory position depends on the borrower, property and purpose and will be explained before you proceed.
Specialist knowledge that can make the difference
Our team regularly works with commercial property, semi-commercial property and trading businesses. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.