Commercial Mortgages

Commercial Property Finance

Commercial Mortgages

Structured commercial mortgage solutions for property acquisition, refinance and longer-term property-backed borrowing, positioned with more commercial care from the outset.

Whether the requirement relates to owner-occupied premises, investment property, equity release or wider refinancing, the quality of the structure often determines the quality of the result.

Typical scenarios

Purchase, refinance, equity release and longer-term property-backed funding for commercial premises and investment assets, where lender fit, leverage and repayment profile all matter.

What A Commercial Mortgage Is

Longer-term property finance, structured around income, leverage and purpose.

A commercial mortgage is typically used to purchase or refinance commercial property, or to release equity from an existing asset, where the borrowing can be supported by the property itself and the wider strength of the case.

Depending on the transaction, facilities can often be structured over longer terms than short-term finance, with repayment profiles aligned to investment or owner-occupier needs.

Typical Parameters

Facilities from £25,000 upwards, subject to case profile
Terms commonly ranging from 10 to 30 years
Up to 80% loan to value in stronger cases, sometimes more with additional support
Interest-only options may be available in certain circumstances
Structured around asset, income, leverage and lender appetite

Property Types Commonly Considered

Commercial mortgages can apply across a wide range of asset types.

Owner-Occupied Premises Including offices, industrial premises, surgeries, workshops and other trading locations where the business occupies the asset.
Investment Property Commercial investments including retail, offices, industrial units, mixed-use and other income-producing property.
Specialist Assets Including pubs, restaurants, agricultural units, care-related property and other assets where specialist lender appetite may be needed.

What Lenders Will Assess

Asset quality, income and structure all matter.

Property type, location and valuation
Loan to value and wider security position
Rental income or business affordability profile
Borrower experience, covenant strength and case structure
Exit strategy, repayment profile and commercial rationale

Our Role

A more considered route into the commercial mortgage market.

The Aftersales Network Limited is a credit broker and not a lender. We assess the transaction, the property, the leverage and the likely lender appetite, then position the enquiry appropriately with lenders and specialist funders where suitable.

That means more than simply sourcing a rate. It means presenting the case in a way that improves the quality of the lender response from the outset.

Related Property Routes

Explore the right route for the transaction.

Property Finance Hub View page
Bridging Loans View page
Property Development Finance View page

Next Step

Start a considered property finance conversation.

If you are exploring a property acquisition, refinance or equity release and want to understand the most suitable commercial mortgage route, contact us for a confidential discussion.

Contact Us Call 0845 299 6668
The Aftersales Network Limited is a credit broker and not a lender. All funding is subject to status, property profile, lender criteria and approval.