What Is a Commercial Mortgage?

A commercial mortgage is a loan usually secured against commercial property, such as business premises or investment property.

Important information.

Commercial finance is subject to status, lender criteria, affordability, valuation and underwriting. Security may be required and your property may be at risk if you do not keep up repayments on a mortgage or other loan secured against it. We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.

What a commercial mortgage may be used for

Buying premises for your own business
Purchasing commercial investment property
Refinancing existing commercial property debt
Releasing equity where suitable
Funding semi-commercial or mixed-use property in some cases

What lenders usually assess

The property and valuation
The borrower profile
Trading performance or rental income
Deposit or equity position
Affordability and repayment strategy

How a broker can help

Clarify the finance objective
Identify likely information requirements
Package the case for lender review
Explain key terms, conditions and risks
Support the process through to completion

Speak to AP Commercial Finance

Use this guide as a starting point, then discuss your specific circumstances with a specialist.

Discuss a Commercial Mortgage