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Business Property Finance

Commercial Mortgages — finance your business premises

High-street retail to industrial warehouses — Glender's smart matching can introduce you to commercial mortgage providers who understand your sector. Owner-occupier or commercial investor, put your deal in front of providers that fit, all in one place.

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Indicative
Rates vary by provider
Secured
Against property
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). Glender can introduce you to providers for both — and everything in between — from a single enquiry.

  • ✓ 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 finance, matched to your business. Glender connects you with potential providers so you can stay focused on growth. Commercial property ownership can involve capital loss, vacancies, repair obligations, refinancing risk and personal guarantees. Consider independent legal, tax and financial advice before proceeding.

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Owner-Occupied
Buying your own premises is an alternative to renting and may let you hold the property as an asset while running your business from it. Outcomes depend on property values, your business performance, and market conditions.
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Investment Commercial
Commercial tenants often take longer leases than residential. Yields, void periods and outgoings vary by property, tenant and market, and rental income is not guaranteed.
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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 more favourable terms 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 may be available through participating providers.
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Sector Specialists
Pubs need different lenders to warehouses. Glender's smart matching puts your enquiry in front of providers with appetite for your exact property type.
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Nationwide Coverage
Glender can introduce you to providers funding 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

From first enquiry to completion — one place, no chasing, you in control.

1
Tell Us About the Property
Property type, value, use (owner-occupied or investment), and business trading history.
2
Sector-Specific Matching
Glender identifies potential providers who specialise in your sector and property type.
3
Compare & Negotiate
Interested providers can respond with indicative terms. See rates, fees, covenants, and repayment structures, side by side.
4
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. Providers may consider a range of 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.
Self-Invested Personal Pensions (SIPPs) and Small Self-Administered Schemes (SSASs) can purchase commercial property — often the premises your own business trades from, with the business paying rent to the pension scheme. The tax and legal consequences depend on your circumstances. Consider independent legal, tax and financial advice before proceeding. Glender can introduce you to providers 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 can introduce you to providers who offer 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. The relevant provider confirms guarantee requirements as part of its assessment.

Ready to secure your business premises?

Tell us about your commercial property and get matched. Glender can introduce you to providers who offer commercial finance — high-street shops to industrial warehouses, all in one place.

Submit an enquiry → Calculate Costs