Unlock Property Opportunities with Commercial Mortgages
Looking to buy or refinance a commercial property?
Whether you’re after offices, warehouses, or retail spaces, a commercial mortgage can help fund your next move. Funding Guru specialises in offering tailored financing for your business property ventures.
- Loans from £100k to £1 million
- Trusted by 500+ UK business owners
- Same day decisions
- Bad credit isn’t a deal breaker
- Flexible and transparent repayment terms
What Makes Our Commercial Property Mortgages Different?
Flexible Loan Amounts & Terms
Choose a commercial mortgage that works for you with loan amounts and terms that align with your business goals.
Competitive Interest Rates
Keep costs down with competitive interest rates that make financing cost effective.
Tailored Repayment Plans
We work with you to create a customised repayment schedule to match your cash flow.
What Can a Commercial Property Mortgage Do For Your Business?
Whether acquiring, refinancing, or expanding your commercial ventures, our commercial mortgages offer flexibility for your business. For information on advantages and disadvantages of commercial mortgages, read our helpful guide here. Here are just some benefits you can gain:
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Own the Property You’re Working From Everyday:
Stop paying someone else’s mortgage and start building equity for your business. Investing in your business’ base gives you full control over how you want the space to function and provides you with an asset. -
Long-Term Financial Stability:
There’s no way to know if your landlord will hike the rent at the end of your tenancy. You gain financial stability with predictable monthly repayments - enabling you to plan for the future and focus on growth. -
Release Capital for Growth:
Already own the business premises you’re in? Unlock the equity from your property with a commercial mortgage and use the cash to smooth out cash flow, or fund your next expansion.
What is a Commercial Mortgage?
A commercial property mortgage provides funding for purchasing or refinancing properties intended for business use. Think: offices, warehouses, or retail units.
Whether you plan to occupy the space or lease it to other businesses, a commercial mortgage can help secure larger premises, purchase a leisure complex, or refinance existing properties to unlock cash for further growth and investment. Commercial mortgages are a great choice for businesses seeking to expand or unlock equity.
Read our complete guide to commercial mortgages here.
Application Process for a Commercial Mortgage
1. Complete Our 1-Minute Contact Form
Don’t wait around to know your options. Take one minute to contact our team of experts for a consultation.
2. Submit the Relevant Documents
Give us the details on your business, property, and financial standing so we can assess the right option for you.
3. Receive a Tailored Proposal
We don’t do square-peg-round-hole finance. You’ll receive a personalised financing proposal outlining repayment options and terms clearly, so you can make financial decisions with confidence.
4. Access Funds to Fuel Growth
Unlike mainstream banks, we won’t leave you waiting around. Once approved, you’ll have access to funds you need to grow your business within days.
How Can Commercial Mortgages be Used?
Commercial mortgages aren’t just about owning property – they’re a powerful tool for driving growth and adding long-term value to your business. Whether you’re buying, expanding, developing, or upgrading your premises, here’s how a commercial mortgage can help you take the next step.
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Property Purchases:
Sick of paying rent? A commercial mortgage gives you the power to buy your own space: office, warehouse, retail unit, you name it. It's yours, not your landlord’s. -
Business Expansion:
Need more room to grow? Whether you're opening a second site or just outgrowing your current one, commercial mortgages can fuel that next step without draining your cash reserves. -
Property Development:
Got a site with potential? Use a commercial mortgage to fund the development, whether you're building from scratch or converting an existing space. More space, more value. -
Business Refurbishments:
Sometimes your space needs an update. Use the funds to refurb, modernise, or rework the layout so your premises match the level you're operating at.
Types of Commercial Mortgages
Want to buy or refinance your commercial premises? Funding Guru has you covered. We offer various types of commercial mortgages to fulfil the diverse needs of businesses:
Purchase Mortgages
Ready to stop renting and secure your business’ hub? Secure funding for commercial property purchases with Funding Guru’s Purchase Mortgages. Whether you’re expanding your business, establishing a new location, or entering a new market, our tailored financing solutions provide the capital you need for successful property purchases.
Refinance Options
Already own a property but want to improve cash flow? Optimise your financial management with our Refinance Options for commercial mortgages. This strategic move allows businesses to restructure existing mortgage loans, potentially lowering interest rates and improving overall financial stability.
Expansion Financing
Outgrown your current space and need to set up someplace else? Expansion Financing through commercial mortgages could be the answer. We provide the necessary funds for securing larger premises or diversifying into new spaces – so you can focus on business growth.
Founder and CEO, Funding Guru
Thoughts from Matt
“Commercial mortgages are a great choice if you want to transition away from renting your business premises, or you’re looking to unlock capital in all or part of a property you own.
There aren’t many cash buyers when it comes to property ownership. If you’re considering buying a property for business use, a commercial mortgage is your best option as you can make repayments over a period of time that suits you. We’ve loaned hundreds of millions in commercial mortgage deals over the years to businesses in all sectors so get in touch.”
What are the Interest Rates & Costs Involved in a Commercial Mortgage?
Every commercial mortgage will have different interest rates depending on the following factors: credit score, deposit amount and repayment length. At Funding Guru, we’ll always be transparent with the repayment terms of your commercial mortgage.
If you’re looking for funding without the faff, give us a call.
How to Know If Your Commercial Mortgage Lender is Reliable?
Once you’ve identified a suitable property or are considering refinancing an existing site, the next crucial step is to find a reliable lender.
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Evaluating the Property’s Value & Use Case:
For properties intended for tenant occupation, a reliable lender typically assesses the property’s ability to generate sufficient rental income, aiming for at least 150% of the mortgage payments. For instance, if your monthly mortgage payment amounts to £3,000, your rental income should ideally be £4,500 or more. -
Offering Clear Advice & Transparent Terms:
If you’re speaking to a lender that’s shrouding your financing options in smoke and mirrors - it’s time to walk away. At Funding Guru, we provide transparent rates, fees and repayment structures to give our clients all of the information they need to make a responsible financial choice with confidence.
At Funding Guru, we have funded the acquisition and redevelopment of properties in the UK for over a decade. We understand common challenges businesses face, and we can assess which is the right mortgage for your needs.
Even if we’re not the direct source of funding, our role as both a broker and lender confirms that we’ll find a suitable solution for you.
Why Choose Funding Guru for Commercial Mortgages
When it comes to commercial mortgages, experience and flexibility matter. At Funding Guru, we offer tailored solutions, fast decisions, and expert support to help you secure the property finance your business needs, whether you’re buying, expanding, or developing. Here’s why businesses across the UK choose us.
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Personalised Solutions:
With Funding Guru, you’ll get personalised and flexible financing solutions designed to meet the unique needs of your business. -
Transparent Approach:
Experience transparency at every step of the financing journey, ensuring clarity and confidence in your financial decisions. -
Tangible Success Stories:
More than just a mortgage. You’ll join a community of thriving businesses that have achieved success with Funding Guru's financial expertise and support. -
Decades of Industry Experience:
With funding Guru, you can rely on a partner with extensive industry experience, providing you with insights and guidance to navigate the complexities of business finance. -
Keeping it Simple and Efficient:
Discover a streamlined process that makes obtaining business finance quick and efficient, allowing you to focus on what matters - growing your business.
Testimonials
Commercial Mortages Frequently Asked Questions
Who can apply for commercial mortgages?
Businesses of all sizes, from small enterprises to large corporations, can apply for commercial mortgages. Property investors and developers can also apply for commercial mortgages to finance their real estate projects. Lenders will consider factors such as the applicant’s creditworthiness, business plan, and the property’s potential for generating income.
How much can I borrow with a commercial property mortgage?
The amount you can borrow with a commercial property mortgage depends on the value of the property and your business’s financial health. Lenders typically offer loans that cover 70% to 80% of the property’s value. Funding Guru works with you to determine the best loan amount for your specific needs.
What are the typical repayment terms for commercial mortgages?
Repayment terms for commercial mortgages can vary but typically range from 5 to 25 years. The specific terms depend on factors such as the loan amount, the property’s value, and the borrower’s financial situation.
What is the interest rate on commercial mortgages?
The interest rate on commercial mortgages varies based on factors such as the borrower’s creditworthiness, the property’s value, and current market conditions. Commercial mortgage brokers like Funding Guru can help you secure competitive rates by connecting you with a range of lenders.
Can I use a commercial mortgage to refinance an existing property?
Yes, you can use a commercial mortgage to refinance an existing property. Refinancing can help you secure better interest rates, release equity for other investments, or restructure your debt to improve cash flow. Funding Guru offers tailored refinancing solutions to meet your business’s specific needs.
What are the benefits of using a commercial mortgage broker?
Using a commercial mortgage broker offers several benefits, including access to a wider range of lenders and loan products, expert advice on the best financing options for your needs, and assistance with the application process. A commercial mortgage broker can help you secure competitive rates and terms, saving you time and money.
How do I apply for a commercial property mortgage with Funding Guru?
To apply for a commercial property mortgage with Funding Guru, give us a call or fill out the application form on our website. Our team will review your application and work with you to find the best mortgage solution.
Can I get a commercial mortgage if I've been refused by a bank?
Just because a bank said no doesn’t mean it’s game over. We work with business owners every day who’ve been turned down by traditional lenders and can still walk away with funding. We look at the big picture, not just the paperwork. Contact us to understand your options.
Ready to Secure a Commercial Mortgage for Your Business Growth?
