Commercial mortgages provide funding for businesses and investors looking to purchase, refinance or develop commercial property, where standard residential lending isn’t suitable.
At Holbrook Property Finance, we offer clear, whole-of-market commercial mortgage advice, helping clients secure funding structured around their business objectives and property plans.
Commercial mortgages are loans secured against commercial or semi-commercial property. This can include premises that a business operates from, as well as properties purchased as commercial investments. Examples include offices, retail units, warehouses, industrial buildings and mixed-use properties.
Unlike residential mortgages, commercial mortgages are assessed on a combination of factors, including business trading performance, rental income, property type and overall risk. Loan terms, interest rates and structures can vary significantly depending on the lender and the nature of the property. Choosing the right lender is often just as important as the borrowing terms themselves.
Commercial mortgage lending is far less standardised than residential lending, with each lender applying its own criteria and risk appetite. Some lenders focus on specific property types or industries, while others specialise in investment or owner-occupied lending.
At Holbrook Property Finance, we take time to understand your business, the property and your long-term objectives before approaching suitable lenders. With access to whole-of-market commercial lenders, including specialist providers and private banks, we can identify funding options aligned with your needs.
Using a broker also helps manage the process efficiently. We assist with preparing financial information, liaising with lenders and valuers, and supporting the application through underwriting, helping reduce delays and unnecessary complications.
Commercial mortgages can be structured in various ways depending on the purpose of the borrowing, the property type and your financial profile.
We advise on commercial mortgages for owner-occupied properties, where a business trades from the premises, as well as commercial investment properties that generate rental income. Options may include fixed or variable rates, different repayment structures, and varying loan-to-value levels depending on lender criteria.
Whether you’re purchasing new premises, refinancing existing commercial property or restructuring borrowing as your business grows, we’ll help you explore commercial mortgage options that balance affordability, flexibility and long-term sustainability.
At Holbrook Property Finance, we understand that commercial borrowing requires expertise, clarity and careful planning. Our advisers take a relationship-led approach, ensuring we fully understand your business and property plans before recommending a solution.
You’ll benefit from whole-of-market access to commercial lenders, clear and strategic advice, and proactive support throughout the process — from initial assessment through to completion. Our 5★ Google Reviews reflect our commitment to professionalism, integrity and delivering strong outcomes for our clients.
Commercial mortgages can be used for offices, retail units, industrial buildings, warehouses and many mixed-use properties, subject to lender criteria.
Some lenders will consider new businesses, though criteria can be stricter. We’ll help assess suitable options based on your circumstances.
Lenders typically assess business trading performance, rental income, property type and overall risk profile.
Yes. A specialist commercial valuation is usually required as part of the application process.
Timescales vary depending on lender and complexity, but we manage the process closely to keep it moving efficiently.
If you’re purchasing or refinancing commercial property, specialist advice can help ensure your funding is structured correctly from the outset.
Get in touch today to speak to a Holbrook adviser about commercial mortgages.
No pressure, no hassle — just expert support tailored to your business and property goals.
Holbrook Property Finance Limited registered in England at Holbrook House, 34-38 Hill Rise, Richmond TW10 6UA, number 07066135 is authorised and regulated by the Financial Conduct Authority (FRN 790387). Our charges are dependent on the loan amount and your individual circumstances. A free initial consultation will be provided, and we will explain in all cases what you will be charged before you decide to proceed with an application. As we offer a tailored service our fees can vary. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before we proceed.
