Commercial Mortgages

A commercial mortgage is a loan secured against property that is used for business or investment purposes, rather than as your main home. It can be used to buy or remortgage premises for your own business, or to purchase commercial or mixed‑use property as an investment.

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At WIS Mortgages, we help clients across the United Kingdom understand the different types of commercial mortgage available and whether they may be appropriate for their needs. Our advisers take time to understand your business, the property in question and your long‑term plans before exploring suitable options.

Key Benefits

Own Your Premises

Take full control of your business property instead of being subject to lease terms, rent reviews or landlord decisions.

Investment Opportunity

Generate rental income and benefit from long-term capital growth by purchasing commercial or mixed-use investment property.

Wide Sector Coverage

From retail and offices to industrial units, healthcare premises and hospitality — we can help across a broad range of property types.

Flexible Structures

Terms, rates and repayment structures tailored to your business needs, property type and long-term financial position.

Expert Commercial Advice

Our specialists understand the nuances of commercial lending and give you a realistic, clear view of what may be achievable before any application is made.

When might a commercial mortgage be considered?

A commercial mortgage may be considered in situations such as:

Purchasing Trading Premises

Purchasing premises for your own trading business, giving you long-term security of tenure and control over the space.

Remortgaging Existing Property

Remortgaging an existing commercial property to secure a better rate, release equity or restructure your existing borrowing.

Commercial Investment

Buying commercial or mixed-use property as a long-term investment for rental income and capital growth.

Refinancing

Refinancing existing borrowing secured on commercial property to improve terms, consolidate or free up capital.

Commercial mortgages are often arranged on different terms to standard residential mortgages, and lenders will assess both the property and the strength of the business or rental income. We will always look at your wider position and objectives before suggesting a way forward.

Who might this be suitable for?

Who Can Apply?

Trading businesses that want greater control over their premises rather than renting
Investors purchasing commercial or mixed-use property for rental income and long-term growth
Company directors and property professionals looking to refinance existing commercial borrowing

It will not be appropriate for every situation. Part of our role is to help you weigh up the potential benefits, costs, risks and flexibility of commercial borrowing against alternatives such as leasing, short-term finance or using existing facilities.

What are the Requirements?

Strong business accounts or rental income evidence to support the borrowing
A deposit typically in the region of 25–40% of the property value
A clear purpose for the borrowing and a realistic repayment strategy
Evidence of trading history, income and outgoings acceptable to the lender

Please note: Meeting these criteria does not guarantee approval. All applications are subject to underwriting and affordability checks by the lender.

Sectors we can support

Commercial property needs vary widely. We can help with a range of sectors and property types, subject to lender criteria, including for example:

Retail

Retail units and neighbourhood parades

Offices

Offices and flexible workspace

Industrial

Industrial units, warehouses and logistics

Healthcare

Dental or medical practices, subject to criteria

Hospitality & Leisure

Cafes, restaurants or small hotels

Mixed-Use

Selected properties with both commercial and residential elements

If your property type is more specialist, we will discuss what is realistically achievable before any application is made.

Residential vs Commercial Mortgages at a Glance

The way commercial mortgages are assessed and structured is different from standard residential lending. The table below gives a high-level comparison:

Feature	Residential Mortgage	Commercial Mortgage
Typical LTV	Often up to around 90–95%	Usually in the region of 60–75%
Main Assessment Focus	Personal income and affordability	Business profits and/or rental yield
Regulation	Typically highly regulated (FCA)	Often unregulated, depending on structure
Typical Term	Commonly 25–35 years	Often 5–15 years (or bespoke by agreement)

Exact criteria will vary between lenders, sectors and individual cases, so this should be viewed as a general guide only.

How we work on commercial cases

When you speak with us about commercial property finance, we will:

Clarify the purpose of the borrowing, the property type and your time horizon

Review relevant financial information such as accounts, income, existing commitments and projected rental or trading income

Explain key features such as interest rate structures, fees, terms, security and covenants in clear language

Highlight alternative approaches where these may better support your objectives or risk profile

Our aim is to give you a realistic view of what may be achievable, and to ensure you understand the structure and implications of any commercial mortgage we discuss before you decide how to proceed.

Our typical process

To keep things clear and efficient, we normally follow a simple step-by-step process:

Initial Enquiry

We talk through your plans, the property and any timescales you are working to.

Information & Assessment

We gather key details and supporting documentation to assess what may be achievable.

Options & Terms

We outline potential options, indicative terms and any requirements or conditions you should be aware of.

Application & Completion

If you wish to proceed, we support you through the application, valuation, underwriting and completion stages.

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How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority. Please note that some commercial mortgage products may not be regulated.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about commercial mortgages and our services.

A commercial mortgage is secured on property that is used for business or investment rather than as your main home. Criteria, pricing, documentation requirements and legal structures can differ from residential lending, and outcomes will often depend on the strength of the business or rental income as well as the value and type of the property.

Deposit requirements for commercial mortgages are typically higher than for standard residential mortgages, and can vary depending on the property type, sector, tenant profile and overall risk. In many cases, lenders will look for a larger equity contribution and robust evidence that repayments are sustainable from business or rental income. Exact terms will depend on the lender's criteria and your individual circumstances.

Many commercial mortgages are not regulated in the same way as residential owner-occupied lending. However, some loans, for example where part of the property is used as a home, may fall within a regulated framework. It is important that you understand whether a proposed facility is regulated or unregulated and what that means in terms of protections, documentation and advice. We will always make this clear when discussing options with you.

Subject to lender criteria, a commercial mortgage can be used to buy or refinance a wide range of property types, such as offices, retail units, industrial units, warehouses, certain types of specialist property and some mixed-use buildings. The acceptable property types and uses will vary between lenders, and we will discuss what is realistic in your particular case.

As with any borrowing secured on property, there is a risk that the property could be repossessed if you do not keep up repayments. Commercial borrowing can involve higher interest rates, fees and early repayment charges than standard residential mortgages, and terms and covenants may affect how you use or manage the property. It is important to consider how changes in interest rates, trading performance or rental income could affect your ability to maintain repayments over the life of the loan.

We can support a wide range of businesses, professionals and investors across the UK who are considering purchasing or refinancing commercial or mixed-use property. This includes established trading businesses, property investment companies and individuals buying in their own name, subject to lender criteria and suitability.

No. Commercial mortgages are only suitable for some clients and in some situations. Our job is to assess your circumstances, explain the options available and help you decide whether a commercial mortgage, another form of finance or an alternative approach is likely to be more appropriate.

Talk to WIS Mortgages about commercial property finance

If you are considering buying or refinancing commercial premises and want to understand your options, a conversation with an adviser can help clarify the choices available. We can look at your plans, review key financial information and outline how different commercial mortgage structures might work in your case.

02030111986 Online Enquiry Form

No obligation to proceed. Any recommendation will be based on what appears most suitable and affordable for you.

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020 3011 1986 help@wismortgages.co.uk

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