Commercial Mortgages Tailored for Your Business Needs
 Secure funding for offices, retail spaces, warehouses, or mixed-use properties with competitive rates and flexible terms to support your business growth.
Access Specialist BTL Lenders
Over 120 UK lenders providing competitive limited company mortgage solutions
Mortgage-Tek connects landlords to lenders who specialise in limited company BTL mortgages. We secure competitive rates,
flexible terms, and expert guidance for property investment and portfolio growth.
Understanding Commercial Mortgages
Financing for business properties and investment opportunities
A commercial mortgage is a loan used to purchase or refinance property intended for business purposes. This includes offices, shops, warehouses, or mixed-use buildings. Lenders consider the property’s value, projected rental income, and business financial health. Commercial mortgages differ from residential loans as they focus on property investment potential, cash flow, and long-term business sustainability rather than personal income alone.
Find the Right Commercial Mortgage for Your Business
Flexible options to suit business plans and investment strategies
Standard Commercial Mortgages
Secure financing to purchase commercial property with repayment terms and interest rates structured around the property’s income-generating potential and your business cash flow.
Bridging Commercial Mortgages
Short-term finance to quickly acquire commercial property or bridge funding gaps, repaid on sale, refinancing, or long-term commercial mortgage arrangement.
Buy-to-Let Commercial Mortgages
Designed for property investors renting commercial spaces, assessing rental income and long-term returns to structure loans with manageable repayment schedules.
Refinancing Commercial Mortgages
Allows businesses to restructure existing commercial debt, release equity, or access improved rates while maintaining continuity and stability in property ownership.
Is a Commercial Mortgage Right for Your Business?
Ideal for business owners, property investors, and corporate borrowers
Commercial mortgages suit business owners, property investors, or companies seeking to purchase, refinance, or develop commercial property to support growth and revenue generation.
- Business owners purchasing offices, retail, or industrial spaces
- Property investors seeking rental income from commercial properties
- Companies refinancing or restructuring existing commercial property debt
- Entrepreneurs developing mixed-use or investment property projects
- Businesses needing flexible repayment terms for operational stability
What Lenders Will Assess
Core factors for commercial mortgage approval
Business Financials
Lenders assess company accounts, cash flow, turnover, and profitability to determine affordability and repayment capacity for commercial mortgage commitments.
Property Value and Use
The property’s market value, condition, type, and intended business use are key factors influencing lender approval and mortgage terms.
Deposit Requirements
Commercial mortgages typically require 20–40% deposit depending on property type, lender, and business risk assessment.
Credit History
Both business and personal credit histories of directors may be considered, with minor historical issues sometimes accepted depending on lender discretion.
How Much Can I Borrow Calculator
Borrowing based on property value, business financials, and lender criteria
The amount available for a commercial mortgage depends on property value, rental potential, business financials, and deposit size. Specialist lenders may consider projected income or lease agreements. Mortgage-Tek provides personalised assessments to determine the maximum borrowing safely and strategically for your business growth.
Your Estimated Borrowing Amount
Expert Guidance for Business Property Financing
Trusted advice for commercial property owners and investors
Mortgage-Tek specialises in commercial mortgages, guiding businesses and investors through complex lending criteria, structuring loans, and accessing specialist lenders.
We provide clear advice, support throughout, and tailored solutions for property finance success.
Specialist Lender Access
We work with commercial mortgage lenders unavailable directly to the public, ensuring access to competitive rates and specialised lending solutions for diverse business properties.
Tailored Mortgage Structuring
We create personalised repayment plans and loan structures based on property type, business income, and growth strategy to maximise approval chances.
Commercial Property Expertise
We advise across offices, retail, industrial, and mixed-use property, helping businesses and investors understand market risks and opportunities.
Transparent Cost Guidance
All fees, rates, and repayment terms are explained clearly to support informed, confident financial decisions for your business.
End-to-End Support
From initial assessment to completion, we liaise with lenders, valuers, and solicitors, ensuring a smooth and efficient mortgage process.
Regulated and Responsible Advice
All advice complies with FCA regulations, providing safe, compliant, and ethical guidance tailored to your commercial property financing needs.
FAQs
What is a commercial mortgage?
A loan to purchase, refinance, or develop commercial property such as offices, retail, warehouses, or mixed-use buildings.
Are commercial mortgage rates higher than residential?
Rates are often higher due to increased risk, but specialist lenders provide competitive options depending on property type and business financials.
Can I get a commercial mortgage as a company or individual?
Yes. Both corporate borrowers and individual business owners can apply, depending on lender criteria and business structure.
How much deposit do I need?
Commercial mortgages typically require 20–40% deposit depending on property type, lender, and risk assessment.
Can I refinance an existing commercial property?
Yes. Refinancing can release equity, access better rates, or restructure repayment terms to support business growth.
How long does the process take?
Commercial mortgage approvals usually take 6–10 weeks, depending on property valuation, business documentation, and lender processing times.
What properties are eligible?
Offices, retail, industrial, and mixed-use properties are generally accepted; eligibility may vary by lender.