Commercial vs residential: A commercial mortgage is for properties used for business — offices, shops, warehouses, investment properties, development sites. Not for homes you live in. See our mortgages page for residential mortgages.
Commercial Mortgage Types
Owner-Occupied Commercial Mortgage
Finance to purchase the premises from which your business operates. Typically up to 70–75% LTV. Terms of 5–25 years. Suitable for offices, retail, industrial, leisure and mixed-use properties.
Commercial Investment Mortgage
Finance to purchase a commercial property as an investment, generating rental income from business tenants. Assessed primarily on rental yield and tenant strength rather than your personal income.
Semi-Commercial Mortgage
Properties that are part commercial and part residential — for example, a shop with a flat above. Specialist underwriting required.
Development Finance
Ground-up construction finance for residential and commercial developments. Typically structured as tranched drawdowns against build milestones. LTV up to 70% of Gross Development Value (GDV).
Who Can Apply?
- Limited companies, LLPs, partnerships and sole traders
- Special Purpose Vehicles (SPV) for investment purposes
- Portfolio investors with multiple commercial properties
- Complex income structures considered
- Previously declined applications — complex cases welcome
Important: Commercial mortgages are generally not regulated by the FCA in the same way as residential mortgages. OFFLEND PARTNERS LTD (Co. No. 16810082) is a registered introducer. We are a credit broker, not a lender. We receive a commission on completion, always disclosed in writing.
Frequently Asked Questions
Looking for commercial finance?
Free introduction · 400+ specialist commercial lenders · Complex cases welcome
FCA regulated partners · No fees to you · No credit check · No obligation