commercial mortgages icon

Commercial Mortgages

Access market-leading rates, with unique, tailored commercial mortgages through Enterprise Finance. We’ll assess cases the high-street can’t and manage your clients’ applications from cradle to grave.

Speak to one of our experts

Who are commercial mortgages suitable for?

As commercial mortgages are used for business purposes typically:

limited-companies-min Limited companies, SPVs, LLPs, partnerships and sole traders

impaired-credit-min Clients with impaired credit

business-startups-min business start-ups

minimum-income-min No minimum income (scenario dependant)

investment-experience-min No previous investment experience (scenario dependant)

minimum-age-min No minimum age (scenario dependant)

Key features

  • Up to 100% loan-to-value (with additional security)
  • Business start-ups considered
  • No ERCs or lender fees on selected products
  • Minimum loan of £20,000
  • No minimum income or maximum age requirements
  • No investment experience required on selected products

Frequently asked questions

The basics

What is a commercial mortgage?

When property (or land) is purchased or used for business purposes, the borrowing may be carried out by a business, individual or partnership. In this instance, you would need to apply for a commercial mortgage.

Who can apply for a commercial mortgage?

Limited companies, SPVs, LLPs, partnerships and sole traders are eligible to apply for a commercial mortgage.

Which types of property can a commercial mortgage be used for?

Here are just a few examples of what constitutes a commercial property for commercial mortgage purposes:

  • Shops (including those with flats above)
  • Offices
  • Warehouses
  • Factories
  • Workshops
  • Garages
  • Hotels
  • Restaurants
  • Pubs

Terms

What is the minimum that can be borrowed using a commercial mortgage?

Minimum loan size varies from lender to lender, but typically is around £50,000

What is the typical repayment term?

Repayment terms can be up to 25 years.

Who holds the title deeds with a commercial mortgage?

As with a traditional mortgage, the commercial lender will hold the title deeds to the property as security.

Application process

When will my client find out if their application has been successful?

Our experience means that in most cases we will be able to confirm almost immediately whether your client’s application is likely to be successful.

How long will an application take to complete?

From the initial enquiry to completion, our average turnaround time for a commercial mortgage loan is six to eight weeks.

Other services

Bridging Loans

Bridging loans are short-term interest-only loans commonly taken out by clients needing immediate access to funds.

View Service

Development Finance

Experience lightning-fast development finance support from Enterprise Finance. 

View Service

Second Charge Mortgages

A Second Charge Mortgage is a loan secured against a property that offers a client an alternative way to release equity from a home.

View Service

Complex buy-to-let

Ideal for clients with circumstances a little more out of the ordinary, we can help secure funding for a wide range of scenarios, and deliver a tailored solution.

View Service

Ready?

If you’d like to enjoy a fully-managed commercial mortgage application that provides immediate access to the best loans and rates on the market, speak to Enterprise Finance today.

Get started