If you are looking to purchase or refinance a commercial property; whether as an investment or for your own business, our expert commercial advisers are able to assist you in finding the best product on the market.
Contact an advisor for simple, valuable commercial mortgage advice.
Whether you’re purchasing business premises, investing in commercial property, or refinancing an existing asset, commercial mortgages can provide the funding needed to support your plans.
Commercial lending can be more complex than standard residential mortgages, with lenders assessing both the property and your financial circumstances in greater detail.
At Veracity Financial Planning, we work with a wide range of commercial lenders to help businesses, investors, and landlords secure tailored finance solutions.
Commercial mortgages can be used for a wide range of property types, including:
Whether you’re buying premises for your own business or as an investment, we can help you explore the right options.
Commercial mortgages generally fall into two categories:
Owner-occupied commercial mortgages
Used when you plan to run your business from the property.
Commercial investment mortgages
Used when the property will be rented to tenants to generate income.
The way lenders assess these can differ significantly, so it’s important to choose the right finance structure from the start.
The amount you can borrow will depend on several factors, including:
In most cases, lenders will require a deposit of at least 20–30%, although this can vary depending on the property and circumstances.
Commercial mortgage applications are usually assessed differently to residential borrowing.
Lenders will often review:
The stronger your application and plans, the more options may be available.
Commercial mortgages aren’t just for purchasing.
You may also refinance an existing commercial property to:
We can help review your current arrangements and explore whether refinancing could be beneficial.
We’re proud to support our clients through every stage of their property journey. Here’s what some of them had to say about working with us.
Looking for trusted financial planning, investment advice, pension guidance or mortgage advice? Our team is here to help you make informed financial decisions with clarity and confidence. Arrange an initial consultation with one of our advisers today.
Whatever you’re looking for, Veracity Financial Planning has got you covered.
2b Thackeray’s Lane,
Woodthorpe,
Nottingham,
NG5 4HP
For Pension & Investment advice email:
financialadvice@veracityfp.co.uk
For Mortgage advice email:
mortgageadvice@veracityfp.co.uk
0115 967 0888
Commercial Owner-Occupied mortgages – Where the applicant secures finance on the commercial premises, they will be running their own business.
Commercial Investment mortgages – Where the applicant rents the commercial premises, they will be securing finance.
Each lender will have their own method of calculating the exact amount you would be able to borrow, but this is usually based on an assessment of you, your firm and your loan objectives.
Many lenders offer bespoke deals on commercial business over £1 million which is tailored to you and your objectives, but overall, the loan amount will be dependent on earnings before interest, tax, depreciation and amortisation or EBITDA. Essentially evidence that your business can cover the mortgage and interest payments. If there isn’t sufficient profit to cover this, then some lenders may allow you to declare other legal forms of income that they can then include in the affordability calculation.
In most cases, commercial lenders will ask for a 25-40% deposit although it may be possible to get up to 100% loan to value (LTV) with some lenders if you are able to put down additional security, such as other properties with enough equity in them or assets that hold their high value.
The list of commercial properties that you could potentially get finance on is endless, here are a couple of example properties which could be used on either a investment or owner-occupied basis:
If you have a property in mind and are unsure if you could finance, then contact us and we will let you know if we can help you.
