Commercial Mortgage Solutions for
Businesses & Investors
Our partners can provide specialist commercial finance for trading businesses, investors and property developers. Clear advice, competitive rates, and support from application to completion.
PD Finance acts as an introducer only for this type of business.
What Is a Commercial Mortgage?
A commercial mortgage is a loan used to buy or refinance a property that is used for business or investment purposes. These mortgages provide long-term funding at competitive rates and can be tailored to suit a wide range of commercial needs.
Commercial mortgages can be used for:
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Business premises (shops, offices, warehouses, factories)
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Investment properties
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Mixed-use units
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HMO and multi-unit blocks
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Care homes, hospitality, leisure and retail
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Semi-commercial buildings
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Land with planning
Types of Commercial Mortgages
✔ Owner-Occupier Commercial Mortgages
For businesses purchasing or refinancing their own trading premises.
✔ Commercial Investment Mortgages
For investors buying properties to rent out to businesses.
✔ Semi-Commercial Mortgages
For properties with both residential and commercial elements (e.g., shop with flat above).
✔ Portfolio Refinancing
Ideal for landlords consolidating multiple commercial or mixed-use properties.
✔ Development & Refurbishment Finance
For ground-up builds, conversions and major refurbishment projects.
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Business financials & profitability
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Trading history
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Business plan (if applicable)
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Rental income (investment cases)
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Loan-to-value (LTV)
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Property type & location
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Director/shareholder experience
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Deposit amount
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Our Partners will guide you through all required documentation to strengthen your application.
Loan-to-Value (LTV) and Rates
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Typical commercial mortgage offers:
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Up to 75% LTV (standard)
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Up to 80% LTV (specialist cases)
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Rates vary based on property type, business health and deposit
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Fixed, variable and interest-only options available
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Every lender has different criteria — we compare the market to find the best fit.
Who Commercial Mortgages Are Right For
Commercial mortgages are suitable for:
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Growing businesses wanting to buy their own premises
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Investors expanding their commercial portfolios
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Landlords moving into mixed-use or semi-commercial
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Developers seeking finance for refurbishment or conversion
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Businesses refinancing for better terms
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If you’re unsure whether a commercial mortgage is right for you, our partners will explain every option clearly.
PD Finance acts as an introducer only for this type of business.
The Commercial Mortgage Process
Commercial finance can take longer than residential - our partners manage the process end to end.
1
Initial Consultation
Assess your goals, business financials and property details.
2
Review of Affordability & Documents
gather accounts, forecasts, leases and supporting information.
3
Lender Comparison
Research a wide panel to find the most suitable lender.
4
Valuation & Underwriting
A commercial specialist values the property.
5
Offer & Legal Work
Lender issues a formal offer and solicitors begin the legal process.
6
Completion
Funds are released and the property becomes yours.
Commercial Lending - Frequently Asked Questions
How long does a commercial mortgage take?
Commercial mortgages typically take 6–12 weeks, depending on property type, valuation and legal work.
Do I need trading history to get a commercial mortgage?
Most lenders prefer 2–3 years of accounts, but some accept newer businesses or strong projections.
Can a commercial mortgage be interest-only?
Most commercial lenders require a 25%–35% deposit, depending on risk and property type.
5. Can I get a commercial mortgage through a limited company?
Yes. Many commercial and investment borrowers use a limited company (SPV or trading).
Moving Home?
Can I Port My Mortgage?
If you are you planning on moving to a new house but want to keep your mortgage, you can do this as long as your mortgage is portable, you can make the transition smoothly. The lender will assess the value of the property and your financial status to ensure that you can still afford the mortgage. It's typically easier if the new home is worth the same or less than your current mortgage. In some cases, you may even be able to increase your mortgage if you can manage the repayments. However, if you cannot keep your current mortgage, you will likely need to pay it off, which may result in early repayment charges.
DISCLAIMER: Re-mortgage
Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an Early Repayment Charge to your existing lender if you remortgage.