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Commercial Mortgages

Flexible funding to purchase, refinance, or invest in commercial property. Tailored solutions designed to support your business growth with competitive rates and expert guidance.

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Finance That Fits Your Business

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No Obligation Enquiry

Tailored Broker Support

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Wide Panel of Lenders

How Do Commercial Mortgages Work?

Let's take a look at how UK Commercial Mortgages work step by step

Assessment & Valuation

We review your business finances and property details, arranging a valuation to determine borrowing potential and suitable lenders for your circumstances and objectives.

Approval & Agreement

Once approved, you agree terms including deposit, interest rate, and repayment structure, ensuring the mortgage aligns with your cash flow and long-term plans.

Repayment & Ownership

You make monthly repayments over the agreed term. At the end of the mortgage, you own the property outright or can refinance to release equity.

Is a Commercial Mortgage Right for You?

A Commercial Mortgage can be a powerful funding solution for businesses looking to secure premises, expand operations, or unlock capital from existing property. With structured repayments and competitive rates, it offers stability and long-term value, but it’s important to ensure it aligns with your cash flow and growth strategy.

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This product might be right for you if...

You want to purchase or refinance a business property

You have a deposit and stable business income

You’re planning long-term investment or expansion

This product might not be right for you if...

You need short-term or fast, unsecured funding

Your cash flow cannot support monthly repayments

You don’t want to secure borrowing against property

Commercial mortgages are secured against property. Your property may be at risk if repayments are not maintained.

Our Funding Process

1

Discuss Your Funding Requirements

Talk to one of our Commercial Property Finance Specialists so we can understand your business, goals, and funding needs.
2

Review & Present Your Application

We gather the required documentation and review your circumstances, then present your application to our panel of lenders to identify the most suitable funding solution.
3

Get Your Funding

Once your finance is approved, we work with you and the lender to ensure you can access your funds as quickly as possible.

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What To Do Next

Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836

Read Our FAQs

Still have questions about Commercial Mortgages? We may have the answer within our FAQs.

Go to FAQs

Why Use Charles & Dean?

Why should you choose us to help secure a Commercial Mortgage

Tailored Finance Solutions

Every business is different. We take the time to understand your goals and structure a commercial mortgage that supports your strategy, whether you're acquiring, refinancing, or expanding.

End-to-End Support

From initial enquiry through to completion, our team manages the process, keeping things simple and efficient while ensuring you’re supported at every stage.

Access to Competitive Lenders

We work with a wide panel of trusted lenders, allowing us to secure competitive rates and flexible terms that suit your financial position and long-term plans.

Our FAQs

Common questions about Commercial Mortgages answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

What is a commercial mortgage?

A commercial mortgage is a loan used by businesses to purchase, refinance, or develop property. It is secured against the property and repaid over an agreed term.

How much can I borrow with a commercial mortgage?

This depends on factors such as your business financials, deposit, and the property value. Lenders typically offer a percentage of the property’s value.

What deposit is required?

Most commercial mortgages require a deposit of around 20-40%, although this can vary depending on the lender and risk profile.

How long does the process take?

The process can take several weeks depending on complexity, valuation, and lender requirements, but we work to keep everything moving efficiently.

Can I refinance an existing commercial mortgage?

Yes, refinancing can help you secure better rates, release equity, or restructure your repayments to improve cash flow.

Commercial Mortgages

Key Takeaways

How Do Commercial Mortgages Work?

Assessment & Valuation

Approval & Agreement

Repayment & Ownership

Is a Commercial Mortgage Right for You?

This product might be right for you if...

This product might not be right for you if...

Our Funding Process

Discuss Your Funding Requirements

Review & Present Your Application

Get Your Funding

What To Do Next

Get a Quote

Call Us Now

Read Our FAQs

Why Use Charles & Dean?

Tailored Finance Solutions

End-to-End Support

Access to Competitive Lenders

Our FAQs

What is a commercial mortgage?

How much can I borrow with a commercial mortgage?

What deposit is required?

How long does the process take?

Can I refinance an existing commercial mortgage?