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Unleash the full potential of your UK business with the strategic use of commercial mortgages
Our mission as a dedicated Commercial Mortgage Broker is to stand firmly by your side, offering the financial expertise and support necessary to transform your dreams into reality. Through our personalised commercial mortgage solutions, we pave the way for your business to not just survive but thrive, making every square foot of your property a testament to your success.
- HMO Hotels
- Office, Retail Units
- Light/Heavy Industrial
- Multi-Unit Flats
- Warehouses and Factories
- Agricultural
- and more.
What is a Commercial Mortgage?
A commercial mortgage is a loan secured by UK commercial real estate, including office buildings, warehouses, retail spaces, and industrial facilities. This financial solution helps businesses purchase or refinance properties, providing the capital they need for expansion, investment, or operations. At Howe Commercial Finance, we offer comprehensive UK Commercial Finance Solutions designed to help businesses access the funding they need for property acquisition and development. Unlike residential mortgages, commercial mortgages are specifically designed for business purposes. They cater to property acquisitions, renovations, or refinancing to secure better terms or release equity for growth opportunities. These loans typically offer favourable terms and competitive interest rates, giving businesses the flexibility to manage cash flow while investing in their future. As Asset Finance Experts in the UK, we ensure each commercial mortgage solution is strategically structured to align with your long-term financial goals and operational growth.
Property Ownership
Acquiring property through a commercial mortgage means you're building equity and long-term value for your business.
Financial Stability
Fixed interest rates and predictable payments help stabilise your financial planning, ensuring you can meet your obligations.
Expansion Opportunities
Commercial mortgages enable you to expand operations, open new locations, or diversify your real estate portfolio.
Tax Benefits
Enjoy potential tax advantages, such as deducting mortgage interest and depreciation, reducing your overall tax liability.
At Howe Commercial Finance, we provide a comprehensive suite of commercial mortgage services tailored to your unique needs. Our team of experts will collaborate closely with you to craft financing solutions that align precisely with your business objectives. Whether you’re a seasoned investor or a first-time buyer, our services include:
Purchase Financing: Secure the property your business needs with tailored purchase financing solutions.
Refinancing: Optimise your existing property investments with favorable refinancing options.
Loan Structuring: Benefit from our expertise in structuring loans that align with your financial strategy.
Term and Interest Rate Options: Choose from a variety of terms and interest rate options to suit your budget and goals.
At Howe Commercial Finance, we specialise in delivering expert commercial mortgage services tailored to the needs of businesses across Derby, Nottingham, Stafford, and Uttoxeter. Whether you’re exploring options to fund commercial property purchases, refinance an existing loan, or secure capital for property development, our experienced team of commercial mortgage specialists is here to help.
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If you’re ready to explore your options, contact us today to learn more about our bespoke commercial mortgage services.
Holistic Approach
Who Can Benefit from Our UK Commercial Mortgage Services?
Our UK commercial mortgage services are designed for a wide range of businesses across the UK, including:
- Entrepreneurs looking to purchase premises for their business operations in the UK
- Property developers seeking UK financing for new developments or refurbishment projects
- Businesses aiming to refinance existing commercial loans to secure better terms in the UK market
- Companies requiring strategic guidance and long-term support for commercial property investment in the UK
- No matter your industry or business size, we provide tailored commercial mortgage solutions in the UK to help you achieve your property and financial objectives.
As an experienced UK BTL Mortgage Broker, we also support clients interested in buy-to-let investments, helping them access competitive UK financing options to grow and diversify their property portfolios.
Choosing the right partner for your commercial mortgage services is critical to success. Here’s why businesses choose us:
Expert Commercial Mortgage Specialists
Our experienced team has extensive knowledge of the market and works tirelessly to find the best solutions for your business.
Access to Top Lenders
We collaborate with a wide network of lenders, ensuring you get access to competitive rates and tailored mortgage products.
Bespoke Solutions
Every business is unique, and so are our services. We customise our solutions to meet your specific property and financial goals.
End-to-End Support
From initial consultation to securing funding, our expert team ensures a seamless process every step of the way.
How Our Process Works
We make accessing commercial mortgage services simple and efficient:
Initial Consultation: Our team of commercial mortgage specialists takes the time to understand your business goals and property needs.
Tailored Solutions: We assess your financial situation and propose a range of mortgage loan options to match your needs.
Application Support: From documentation to negotiation, we handle every detail of the application process.
Approval and Completion: Once approved, we ensure smooth completion and timely access to funds.
Our streamlined approach ensures you can focus on running your business while we handle the complexities of securing the right mortgage solution.
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A quick, no obligation chat to discuss your business goals and the best finance solutions to get you there.
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Frequently Asked Questions
The process is similar to a residential mortgage but with more focus on the business. You’ll need a deposit (typically 25-40% of the property value), business accounts, and a clear purpose, are you buying to trade from, or to rent out? A broker matches you to the right lender, arranges a valuation, and handles the back-and-forth with solicitors. Most commercial mortgages complete in 6-12 weeks.
Typically 25-40% of the property value. Owner-occupiers (businesses buying premises to trade from) can sometimes borrow up to 75% loan-to-value. Investors (buying to let to tenants) usually need a bigger deposit, 30-40% is normal. The stronger the business or the tenant, and the better the property, the lower the deposit you’ll need.
Commercial mortgages differ from residential mortgages in several ways. Commercial mortgages usually have higher interest rates, shorter loan terms, and larger down payment requirements. Additionally, commercial mortgage underwriting relies more heavily on the income generated by the property rather than the borrower’s personal income.
Yes, though options can be narrower. High street banks are often cautious with first-time commercial property investors. Specialist lenders in the alternative market are more open, especially where the property is well-tenanted and the loan-to-value is sensible. It’s an area where a broker really earns their keep.
Commercial mortgage rates are usually higher than residential because the risk profile is different. Rates often sit between 7-9% in the current market, though this varies with lender, property type, business strength, and loan-to-value. Fixed, variable, and tracker products are all available. We’ll always get you live indicative terms before you commit.
Commonly 5-25 years. The term is often matched to the useful life of the property and the business plan. Some commercial mortgages are interest-only (common for investors), some are capital and interest (common for owner-occupiers). We’ll work out which structure fits your cash flow best.
Yes. Properties like a shop with a flat above, a pub with accommodation, or a salon with residential upstairs are common. These can be slightly more complex because of the mix of use, but we have specialist lenders who understand them well. Usually they’re underwritten as commercial rather than residential mortgages.
Most mainstream lenders have a minimum loan size of around £150,000-£250,000, which can make smaller premises tricky to finance. There are specialist lenders who go lower. This is one of the areas where a broker saves you wasted applications by knowing who actually lends at the level you need.
Yes, commercial remortgaging is common, either to release capital for other purposes, to get a better rate, or to restructure debt. The lender will want to see the current rental income (if let) or current trading performance (if owner-occupied), plus an up-to-date valuation. If the property has grown in value, the equity release can fund everything from expansion to another property purchase.