Commercial mortgages
Owner-occupier and investment commercial property loans
Commercial mortgages provide longer-term funding secured against commercial premises — for businesses occupying their own premises or investors holding income-producing assets.
Common uses
- Owner-occupier business premises
- Investment commercial property
- Mixed-use units
- Refinance from bridging or expensive lending
- Capital raising against commercial assets
Typical documents required
- Last 2 years company accounts
- Latest management accounts
- Business bank statements
- Tenancy schedule (investment)
- Property details and valuation
- Director / shareholder ID and address
Risks & considerations
- Affordability based on business or rental income
- Valuation may differ from purchase price
- Early repayment charges may apply
- Interest cover ratios apply to investment loans
- Sector-specific lending appetite varies
Ready to discuss your requirement?
Complete the digital funding assessment and our team will package and introduce your enquiry to suitable specialist partners.
Start Funding AssessmentImportant: Countrywide Specialist Finance is not a lender and does not provide regulated financial advice. We act as an introducer and commercial finance support platform. All finance is subject to lender criteria, underwriting, valuation and status.