From shopfronts to warehouses. Finance that fits your vision
If you are buying property for your business, a commercial mortgage could be the right solution. We offer referral solutions for business owners, investors, and developers seeking finance for commercial property.
Contact an adviser
A commercial mortgage is used to purchase or refinance premises such as offices, retail units, warehouses, or industrial buildings. Lenders assess both the property and your business’s financial health.
Our services cover
We support clients by introducing them to trusted commercial mortgage specialists. We introduce you to carefully selected specialist partners and help coordinate the process, giving you access to professional support while keeping your broader financial planning on track.
We can also advise on related funding such as development finance and bridging loans.
Contact an adviser todayCommercial mortgages are not regulated by the Financial Conduct Authority. Please note commercial mortgages are a referral service.
Most Buy to Let and some Bridging Loans are not regulated by the Financial Conduct Authority
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
The service promoted here is not part of The Openwork Partnership offering and The Openwork Partnership accepts no responsibility for this aspect of our business.
Commercial mortgage discussions should begin well before a purchase or refinance.
Ideal times include:
Commercial lenders assess both the property and the business, so early preparation strengthens your application.
Commercial mortgage applications require careful preparation.
The process includes:
The aim is to secure funding that supports your business goals.
A commercial mortgage is a loan secured against property used for business purposes. They are available to limited companies, partnerships, and sometimes sole traders looking to buy or refinance business premises.
Commercial mortgages usually require a deposit of around 25% – 40% of the property’s value. The exact amount depends on the lender and the type of business.
Yes. Many commercial mortgages are taken out in the name of the business, though directors may also be asked to provide guarantees.
Rates are usually higher than residential mortgages and depend on the lender’s assessment of risk, your business’s financial strength, and the property type.
Terms usually range from 3 to 25 years, depending on the lender and your circumstances.
Yes, though lenders will assess the type of property and its potential income carefully.
Commercial property decisions can directly affect business performance.
The following will be considered:
This ensures finance supports your commercial objectives.
