Commercial Mortgages

Commercial Property Finance

Commercial Mortgages

Structured commercial mortgage solutions for property acquisition, refinance and longer term property backed borrowing, positioned with greater 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.

Tell us about the property, the transaction and what you need the funding to achieve. We will assess the structure before identifying the most appropriate property finance route.

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 may be structured over longer terms than short term property finance, with repayment profiles aligned to investment or owner occupier requirements.

Structure Will Depend On

Property type and intended use
Purchase, refinance or equity release
Available deposit or equity position
Rental income or business repayment capacity
Term, repayment profile and lender appetite

Property Types Commonly Considered

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

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

Important Distinction

A commercial mortgage is one property finance route, not automatically the right one.

A longer term mortgage can be appropriate where the property, income and repayment profile support the transaction. But timing, condition, intended works, ownership structure or the wider commercial requirement may point towards another form of property finance.

The starting point should therefore be the transaction and the intended outcome, not simply the product name.

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 repayment capacity
Borrower experience, financial profile and case structure
Repayment profile, exit strategy and commercial rationale

Our Role

Structure the transaction before approaching the market.

The Aftersales Network Limited is a credit broker and not a lender. We assess the transaction, the property, the leverage, repayment profile and likely lender appetite before positioning the enquiry with appropriate lenders and specialist funders where suitable.

That means more than simply sourcing a rate. It means considering how the transaction should be structured and presented before it reaches the market.

Strategic Funding Assessment

Start with the property transaction. Then identify the right funding route.

Tell us about the property, the transaction, the amount required and what you need the funding to achieve. We will consider whether a commercial mortgage is the appropriate structure or whether another property finance route should be explored.

01
Tell us about the transaction Outline the property, purchase or refinance position, funding requirement, timing and intended outcome.
02
We assess the structure We consider leverage, income, repayment profile, security and whether a longer term commercial mortgage genuinely fits the requirement.
03
Position the enquiry Where appropriate, we identify suitable lender appetite and determine the next step before the case reaches the market.

Related Property Routes

Already know which property finance route you want to explore?

Property Finance Hub Explore Property Finance
Bridging Loans Explore Bridging Finance
Property Development Finance Explore Development Finance

Next Step

Buying, refinancing or releasing equity from commercial property?

Complete our Strategic Funding Assessment and tell us about the property, the transaction and the intended outcome. We will consider the wider property finance structure before deciding what should happen next.

Start Your Funding Assessment Discuss Your Requirement Call 0845 299 6668
The Aftersales Network Limited is a credit broker and not a lender. Property finance is subject to status, property profile, valuation, lender criteria and approval. Property or other assets offered as security may be at risk if repayments are not maintained.