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Business Property Finance

Commercial Mortgages — finance your business premises

From high-street retail to industrial warehouses, Glender connects you with commercial mortgage lenders who understand your sector. Whether you are an owner-occupier or commercial investor, your Generous Lender finds the right deal.

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4.25%

Rates from (per annum)

75%

LTV up to

3–25

Term (years)

£30m

Maximum loan

Understanding Commercial Mortgages

What is a commercial mortgage?

A commercial mortgage is a long-term loan secured against a non-residential or mixed-use property. It works similarly to a residential mortgage but is designed for business premises, shops, offices, warehouses, factories, pubs, hotels, and other commercial assets.

Commercial mortgages serve two primary audiences: business owners buying their own premises (owner-occupied) and investors purchasing commercial property for rental income (investment). The Global Lender network has specialists for both — and everything in between.

✓ Owner-occupied business premises
✓ Commercial investment property
✓ Semi-commercial (mixed residential/commercial)
✓ Loans from £100,000 to £30,000,000
✓ All sectors and property types considered

Sectors We Cover

Retail & High Street

Shops, restaurants, cafes, takeaways, salons, and retail units on the high street or retail parks

Offices & Coworking

Single-tenant offices, multi-let office blocks, and flexible workspace buildings

Industrial & Warehouse

Warehouses, distribution centres, manufacturing units, and trade counter premises

Leisure & Hospitality

Hotels, pubs, care homes, gyms, nurseries, and other leisure-sector properties

Why Glender

Key features

Commercial lending that works as hard as your business. Your Generous Lender navigates the complexities of commercial finance so you can focus on growth.

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Owner-Occupied

Stop paying rent to someone else. Buy your own premises and build equity in an asset while running your business from it. Competitive rates for trading businesses.

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Investment Commercial

Earn rental income from commercial tenants on longer leases than residential. Higher yields, fewer void periods, and the tenant covers most outgoings.

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Semi-Commercial

Shop with a flat above? Office with a residential unit? Semi-commercial properties benefit from blended assessment criteria — often better rates than pure commercial.

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Flexible Structures

Repayment, interest-only, or part-and-part. Capital repayment holidays, balloon payments, and bespoke amortisation schedules available through our panel lenders.

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Sector Specialists

Pubs need different lenders to warehouses. Glender understands sector-specific risks and matches you with lenders who have appetite for your exact property type.

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Nationwide Coverage

The Global Lender network funds commercial property across England, Wales, and Scotland. From City of London offices to regional industrial estates.

How It Works

Four steps to your commercial mortgage

Glender streamlines commercial lending from initial enquiry to completion.

Tell Us About the Property

Property type, value, use (owner-occupied or investment), and business trading history.

Sector-Specific Matching

Glender matches you with lenders who specialise in your sector and property type.

Compare & Negotiate

Review terms from multiple lenders. See rates, fees, covenants, and repayment structures clearly presented.

Completion

Valuation, legals, and due diligence. Typical completion in 4-8 weeks for straightforward commercial cases.

Eligibility

Who can apply?

Commercial mortgages are available to businesses and individuals purchasing or refinancing commercial, semi-commercial, or mixed-use property. Your Generous Lender works with all business structures.

✓ Limited companies and PLCs
✓ Sole traders and partnerships
✓ SPVs and holding companies
✓ Commercial property investors
✓ Pension funds (SIPPs and SSASs)

What you'll need

● Property details, value, and use class
● Business accounts (2-3 years for owner-occupied)
● Lease details and rental income (for investment)
● Deposit of 25-40% of property value
● Personal and business financial statements
● Business plan (for new ventures or start-ups)

FAQ

Frequently asked questions

Owner-occupied commercial mortgages are for businesses purchasing premises they will trade from. The lending is assessed on business trading performance and affordability. Investment commercial mortgages are for purchasing property to let to tenants — assessment focuses on rental income coverage, lease strength, and tenant covenant. Rates and criteria differ between the two.

A semi-commercial (or mixed-use) property has both commercial and residential elements — for example, a shop with a flat above, or an office building with a residential apartment on the top floor. These properties often attract favourable lending terms as the residential element provides additional security. Glender finds lenders experienced in mixed-use assessment.

Yes. Self-Invested Personal Pensions (SIPPs) and Small Self-Administered Schemes (SSASs) can purchase commercial property — often the premises your own business trades from. This means your business pays rent to your pension fund, and the property grows tax-efficiently. Glender has lenders experienced in pension-backed commercial purchases.

Typical timescales are four to eight weeks from application to completion for straightforward cases. Complex deals with multiple tenants, specialist valuations, or unusual property types may take longer. If you need speed, Glender also offers commercial bridging to secure the property quickly, then refinance onto a long-term commercial mortgage.

Most commercial lenders require personal guarantees from the company directors or principal shareholders. This means you are personally liable for the debt if the business cannot repay. The extent of the guarantee varies — some are capped, some are unlimited. Your Generous Lender shows guarantee requirements upfront so there are no surprises.