Financing owner-occupied and investment properties
We specialise in arranging commercial mortgages for a diverse range of clients.
Whether you’re investing in commercial property or seeking to purchase premises for your own business, our expertise ensures you secure the most suitable financing solution.
Expert finance advice
tailored to you
Quality service
Fast, friendly and professional service.
Lender Choice
Over 250 Banks, Hedge Funds, Family Offices & more.
Experience
Over 15 years of specialist finance broking.
Bespoke Lending
Finance tailored specifically to meet your needs.
Commercial Mortgages
What Are Commercial Mortgages?
Commercial mortgages are loans secured against business properties and they’re specifically designed for commercial purposes.
There’s two main types:
Investment Commercial Mortgages: For purchasing or refinancing properties to let out to tenants. Ideal for investors seeking to expand their portfolio with offices, shops or warehouses, with rental income helping cover mortgage payments.
Owner-Occupied Commercial Mortgages: For businesses buying premises to operate from. These help companies secure their own property rather than renting, building equity in a valuable asset.
Key Features of Our Commercial Mortgage Solutions
We understand that commercial property financing requires a tailored approach.
Whether you’re an investor seeking rental income from commercial assets or a business owner looking to purchase your own premises, our bespoke solutions are designed to meet your needs.
Our expertise spans the full spectrum of commercial properties, from retail units and office spaces to industrial buildings and mixed-use developments.
Investment Commercial Mortgages
Our investment mortgages are designed for property investors looking for income-generating commercial assets.
We offer flexible loan terms from 5 to 25 years to suit your investment strategy, alongside competitive interest rates structured around your property’s rental income.
Key benefits include:
- Choice between interest-only or capital repayment options to manage your cash flow
- Attractive loan-to-value ratios to maximise your investment potential
- Solutions for various commercial property types including retail, office and industrial units
We help investors at all levels access funding for their commercial property ambitions, whether you’re adding to an established portfolio or making your first commercial investment.
Owner-Occupied Mortgages
For business owners looking to purchase their own premises, our owner-occupied commercial loans provide extended loan terms up to 30 years to reduce your monthly outgoings.
Rates are based on your business performance and the property’s value.
Key advantages include:
- Options to release equity from your property to fund business growth
- Potential tax benefits as mortgage interest is often tax-deductible
- Specialist solutions for various business structures including sole traders, partnerships and limited companies
We work with over 250 lenders to find the perfect commercial solution for your needs. Our expert team guides you through the entire process, from initial enquiry to completion, ensuring you secure the most competitive terms available in the market.
Types of Properties We Finance
Our commercial mortgage solutions cover a wide range of property types to meet the diverse needs of investors, business owners and entrepreneurs.
Whether you’re looking to expand your business premises, grow your investment portfolio or purchase your first commercial property, we can help secure the funding you need:
Retail Units & Shopping Centres
From high street shops and local retail units to larger shopping centres, we arrange financing for all retail property types.
Our solutions support both owner-occupiers looking to purchase their own business premises and investors seeking rental income from retail tenants.
Office Buildings
Whether you’re buying a small office for your growing business or investing in a multi-floor office building, we can source competitive commercial mortgage options.
We understand the changing landscape of office space and can advise on financing for traditional offices, flexible workspaces and serviced office investments.
Industrial & Warehouses
Our commercial mortgage solutions cover factories, manufacturing facilities, distribution centres and storage warehouses.
With the growing demand for logistics space, we help clients secure the right funding for these valuable commercial assets.
Hotels & Guesthouses
From boutique B&Bs to larger hotel properties, we specialise in arranging bespoke financing solutions for hospitality businesses.
Our experience in this sector means we understand the unique income patterns and valuation considerations of hotel properties.
Restaurants & Pubs
The hospitality sector requires specific financing expertise.
We arrange commercial loans for restaurants, cafés, pubs and bars, helping both new and established business owners secure their premises with competitive terms.
Mixed-Use Properties
Properties combining commercial and residential are becoming increasingly popular.
Our brokers excel in arranging mortgages for these complex properties, whether they’re shops with flats above, live-work spaces or larger mixed developments.
Healthcare Properties
We also arrange financing for medical centres, dental practices, care homes and other healthcare-related properties, working with lenders who understand the specific requirements of this specialist sector.
Why Choose Bridging Finance London?
When securing a commercial mortgage, having the right broker can make all the difference.
Here’s why clients choose us:
Expertise
Our team brings decades of experience in commercial property finance.
We understand the unique challenges of different property types and business sectors, allowing us to find solutions quickly and guide you through the entire process.
Extensive Lender Network
With access to over 250 lenders – including banks, private lenders and wealth managers – we can source options simply not available elsewhere.
Many of our lending partners work exclusively with selected brokers like us, giving you access to the best possible terms.
Bespoke Solutions
We create tailored mortgage solutions rather than off-the-shelf products.
Whether you need interest-only periods, flexible repayment terms or higher loan-to-value ratios, we structure deals around your specific requirements.
Efficiency
Commercial property opportunities move quickly.
Our streamlined process and established lender relationships mean we can secure approvals and complete transactions faster than typical brokers, ensuring you don’t miss out on valuable opportunities.
Holistic Approach
Rather than viewing your commercial mortgage in isolation, we consider your broader business or investment strategy, ensuring your property finance complements your overall financial goals.
Additional Services
Investment Strategy Advice
Our team provides expert guidance on commercial property investment strategies, helping you identify opportunities that align with your financial goals. We analyse market trends and rental yields across different commercial sectors to inform your investment decisions.
Business Planning Support
Securing a commercial mortgage often requires robust business plans and financial projections. We assist in preparing these documents to strengthen your application and demonstrate the viability of your property investment or business expansion.
Regulatory and Tax Guidance
Commercial property ownership comes with complex regulatory requirements and tax considerations. We offer practical guidance on these matters, working alongside tax specialists and solicitors to ensure your property purchase is structured optimally.
Portfolio Review
For established property investors, we offer comprehensive portfolio reviews to identify refinancing opportunities and strategies to maximise returns on your existing commercial properties.
Development Finance
If your commercial property requires renovation or development, we can arrange additional finance solutions to support these projects, from light refurbishment to complete redevelopment.
Exit Strategy Planning
We help clients plan effective exit strategies for their commercial property investments, whether that involves eventual sale, refinancing or asset transfer.
Next Steps
Whether you’re expanding your commercial property portfolio or purchasing premises for your business, taking the first step is simple:
- Initial Consultation: Contact our team for a no-obligation discussion about your commercial property needs and objectives.
- Tailored Proposal: We’ll prepare personalised financing options based on your specific circumstances and requirements.
- Application and Approval: Once you’ve selected the right solution, we’ll manage the entire application process with your chosen lender.
- Completion and Beyond: We’ll work with all parties to ensure a smooth completion and remain available for ongoing support throughout your commercial mortgage term.
Contact our team today to begin your commercial property financing journey with the support of London’s specialist commercial mortgage brokers.
