Commercial Mortgages
Long-term funding for income-producing commercial and mixed-use properties.
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Commercial mortgages are used to finance property that generates rental income — including offices, warehouses, retail units, or mixed-use buildings with residential above. They’re also suitable for professional landlords refinancing larger portfolios or converting short-term bridging debt into a long-term solution.
Unlike residential mortgages, commercial lending focuses heavily on the asset’s income and the borrower’s experience. Lenders assess tenancy strength, lease terms, rent cover, and the sustainability of income — especially in today’s shifting commercial landscape.
Loan terms typically range from 3 to 25 years, with fixed or variable rates. You can often borrow up to 75% of the property value, and interest-only options are available in some cases.
Commercial mortgages can be used for purchase, refinance, capital raising, or transitioning from a short-term facility (e.g. a bridging loan used for acquisition or refurbishment). They're a key tool for landlords and investors looking to build long-term, stable portfolios.
With access to specialist commercial lenders and challenger banks, we help you find the best structure for your goals — whether that’s maximising leverage, reducing repayments, or simplifying your financial position.