Commercial Mortgages for UK Property & Businesses

Beacon Finance Brokers helps property investors and businesses explore commercial mortgage options across Scotland and the UK, with access to 200+ lenders and a whole-of-market approach.

Discuss Your Finance

Who We Help

Property Investors

Finance options for acquiring or refinancing commercial property investments.

Landlords

Commercial property finance for landlords with individual properties or portfolios.

Business Owners

Finance for businesses looking to acquire or refinance commercial premises.

Owner-Occupiers

Finance for businesses purchasing premises for their own occupation.

Why Commercial Mortgage Finance Is Different

How a lender assesses a commercial mortgage depends on a combination of factors specific to the deal, including:

  • Property
  • Borrower
  • Loan size
  • Loan-to-value (LTV)
  • Income and cash flow
  • Business performance
  • Property use
  • Existing borrowing
  • Repayment strategy

We assess the circumstances around the deal, research relevant lending options and explain the available routes in plain English.

When Commercial Mortgage Finance Can Help

Commercial Property Purchase

Finance for buying commercial property, whether owner-occupied or held as an investment.

Commercial Property Refinance

Moving an existing commercial mortgage onto different terms, or releasing equity from a property you already own.

Owner-Occupied Premises

Finance for businesses buying or refinancing the premises they trade from.

Investment Property

Finance for commercial property let to tenants, assessed against rental income and tenant strength.

Mixed-Use Property

Finance for property combining commercial and residential use, such as retail with flats above.

Specialist Commercial Property

Finance for less standard property types, where fewer lenders have specific appetite.

200+ Lenders. A Whole-of-Market Approach.

We have access to 200+ lenders through our established panel. Where appropriate, we can also approach lenders outside our established panel to explore suitable finance options for your circumstances.

What Commercial Mortgage Lenders Look At

  1. Deposit or existing equity in the property
  2. Business trading history and accounts, if owner-occupied
  3. Property type and condition
  4. Tenant covenant strength, if the property is let
  5. Personal guarantees from directors or owners
  6. Existing borrowing and charges
  7. Exit or repayment strategy
  8. Valuation and, where let, rental yield

How It Works

1. Discuss Your Requirement

Tell us what you're trying to achieve and we'll talk it through.

2. Understand the Deal

We look at the details of your situation and the finance required.

3. Explore Suitable Options

We research relevant lending options and explain them in plain English.

4. Progress the Application

If you decide to proceed, we help in managing the application process to completion.

Related Finance & Sectors

Explore other finance solutions and specialist sectors relevant to your requirements.

Bridging Finance

Short-term finance for property deals where timing or circumstances make temporary funding appropriate.

Development Finance

Funding for ground-up development and heavy refurbishment projects.

Buy-to-Let Finance

Finance for landlords with single properties or portfolios.

Care Home Finance

Financing for care home purchase, refinance and expansion.

Hospitality Finance

Mortgages for guesthouses, B&Bs and small hotels.

Dental Practice Finance

Mortgages for dental practice premises and practice acquisitions.

Frequently Asked Questions

What deposit do I need for a commercial mortgage?

The deposit or level of borrowing required can vary depending on the property, borrower, lender and circumstances of the transaction.

Can I get a commercial mortgage for a mixed-use property?

Yes - mixed-use property (residential above commercial, for example) is lent against regularly, though fewer lenders specialise in it and the terms differ from a purely commercial unit.

How long does a commercial mortgage take to complete?

Timescales vary by lender and complexity, but a straightforward commercial mortgage typically takes several weeks from application to completion once valuation and legal work are underway.

Is a commercial mortgage regulated by the FCA?

Most commercial mortgages are unregulated business lending, distinct from residential mortgages. Beacon Finance Brokers is a credit broker and Appointed Representative of The Fiducia Network Ltd (FRN 917537).

Speak to a Broker

Tell us about your property and finance requirement and we'll come back to you to discuss your requirements.

Discuss Your Finance