Commercial Mortgages

Long-term finance for your property portfolio.

Whether you're buying your first BTL property or refinancing a multi-unit portfolio, we search across 100+ lenders to find you the most competitive commercial mortgage rates. BTL, HMO, mixed-use, or full commercial — we cover it all.

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What Are Commercial Mortgages?

Commercial mortgages are long-term loans secured against property that is used for investment or business purposes. Unlike residential mortgages, commercial products are assessed based on the property's income potential, the borrower's experience, and the overall investment case — not just personal income.

The term covers a wide range of products. Buy-to-let (BTL) mortgages are the most common, but commercial mortgages also include HMO lending, semi-commercial finance for mixed-use properties, and full commercial loans for offices, retail units, and industrial space.

Rates, criteria, and structures vary significantly between lenders. Some specialise in portfolio landlords, others in first-time investors. Some offer fixed rates, others tracker products. We know which lenders suit which deals — and we match you with the right one.

Why Work With Us

Whole-of-Market Access

We search across 100+ lenders including high street banks, specialist lenders, and private funders to find the best rates for your deal.

Portfolio Lending Expertise

Experienced in structuring finance for property portfolios, including SPV lending, multi-unit deals, and complex ownership structures.

Complex Structures

From HMOs and mixed-use properties to semi-commercial units and multi-lets, we handle the deals that others struggle with.

No Upfront Fees

We only get paid when your mortgage completes. No upfront costs, no obligation — just straightforward advice.

Who is This For?

  • Buy-to-let landlords purchasing or refinancing rental properties
  • HMO operators looking for specialist lending
  • Commercial property investors acquiring offices, retail, or industrial units
  • Portfolio landlords managing multiple properties across SPVs
  • Investors buying mixed-use or semi-commercial properties

How It Works

1

Tell us about your property

Share details of the property, your investment strategy, and what you're looking for. We'll assess your needs and outline the options.

2

We search the whole market

We compare rates, terms, and criteria across our full lender panel to find the product that best fits your deal.

3

Application to completion

We manage the full application process — from packaging the deal to liaising with valuers and solicitors through to drawdown.

Frequently Asked Questions

What LTV can I get on a commercial mortgage?

Typical LTVs range from 65% to 80% depending on the property type and lender. Standard BTL products often go up to 75-80% LTV, while commercial properties and HMOs may be capped at 65-75%. We'll find the best LTV available for your specific deal.

Can I get a commercial mortgage through an SPV?

Yes. Many lenders actively support SPV (Special Purpose Vehicle) lending, and it's increasingly common for portfolio landlords for tax efficiency reasons. We work with multiple lenders who specialise in SPV structures.

Is there a limit on how many properties I can mortgage?

Not with us. While some high street lenders cap portfolio lending at 3-4 properties, our specialist lenders have no upper limit. Whether you have 5 or 50 properties, we can source finance for your portfolio.

What types of property qualify for a commercial mortgage?

We can arrange finance for buy-to-let, HMO, multi-unit freehold blocks, semi-commercial (shops with flats above), full commercial (offices, retail, industrial), and mixed-use properties. If it's investable, we can usually find a lender.

How long does a commercial mortgage application take?

Timelines vary by lender and complexity. A straightforward BTL mortgage can complete in 3-4 weeks. More complex commercial deals may take 6-8 weeks. We set clear expectations from day one and keep the process moving.

Looking for the right commercial mortgage?

Tell us about your property and we'll find you the best rates from our panel of 100+ lenders. No upfront fees, no obligation.

Get a Quote