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    What our clients say

    “Private Finance provided excellent service securing a remortgage for my property even though it was not a straight forward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”

    “Private Finance worked incredibly hard to secure our business re-mortgage. They were always calm, professional, polite and ready to wade in on our behalf when things stalled. We would happily recommend them, and look forward to maintaining our relationship. Many thanks!”

    “Outstanding services in our mortgage search, during a weird environment of fast-changing market conditions. The team has always been super responsive, very clear in their replies to all questions we had along the process, and managed to get us extremely good deals on various mortgage products. I can only strongly recommend them for your mortgage search!!”

    “Private Finance provided excellent service securing a remortgage for my property even though it was not a straightforward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”

    “Professional and proactive advice and service – secured me an amazing rate on my mortgage. The team were great with their communication and I always felt confident that things were progressing – completely took away any anxiety from a stressful process!”

    “Private Finance have been fantastic in finding me the right provider and the right price. We have used them twice now, and both times the communication was fantastic, the options explained, and the rest of the paperwork dealt with. Would highly recommend.”

    What is a Commercial Mortgage?

    A commercial mortgage is a type of loan for individuals or business owners used to purchase or refinance a commercial property – this also includes mixed use properties and land. In contrast to residential mortgages, commercial mortgages fund a property purchase for business activity, rather than a property you plan to live in.

    There are two types of commercial mortgages:

    • Owner Occupied Mortgages

    This is used to purchase property where you are the owner and this will be your trading premise.

    • Commercial Investment Mortgages

    This is used to purchase property you plan to let out.

    Commercial Owner Occupied

    Owner-occupied commercial mortgage, also known as a business mortgage, is used when a property is being purchased for the buyers own business to trade from.

    Commercial Investment

    For individuals and companies looking to buy or refinance commercial property and generate income by renting out the property.

    Ready to talk about your commercial finance needs?
    Speak with an expert now or Arrange a call back or

    Semi-Commercial

    A semi-commercial (or mixed-use) mortgage is used to purchase or refinance a property that has both commercial and residential elements.

    Commercial Bridging Loans

    For individuals and companies looking to buy or refinance commercial property and generate income by renting out the property.

    What types of property can a commercial mortgage be used for?

    A commercial mortgage may be used for a variety of commercial premises including:

    • Retail outlets and hospitality
    • Office buildings and warehouses
    • Industrial units and factories
    • Block of flats and HMOs
    • Guest homes and B&Bs
    • Nursing and care homes
    • Dentists, doctor’s surgeries, pharmacies, and veterinary practices
    • Agricultural Land

    Commercial Mortgage Lenders

    Commercial mortgages are complex. They require specialist advice and lending. Due to their complex and bespoke nature, there are no pre-packaged ‘off-the-shelf’ options.

    High street lenders

    High-street lenders cater to the wider market and due to this scale, they can offer competitive rates. Individuals may find these lenders lack the flexibility required for their needs, though they only represent a small percentage of the lending available.

    Specialist banks

    Specialist lenders generally concentrate their business towards specialist lending including commercial mortgages, compared to high street lenders who cater for a wider range of customers. Private banks and specialist providers may offer a higher degree of flexibility in their lending criteria.

    As a specialist mortgage broker, our consultants will help tailor your mortgage to your needs, budget, building and business type, as well as open the doors to private banks and specialist lenders who can offer more flexible solutions and better rates than high street banks.

    Expert Commercial Mortgage Advisers

    As a specialist independent, whole-of-market mortgage broker, we have the industry expertise and commercial lender connections to tailor the right commercial mortgage solution for you.

    Relationships

    Relationships in the commercial mortgage market are key – many commercial lenders only communicate through a broker or intermediary such as Private Finance. Using our strong lender ties and industry expertise, we pair you to the most suitable lender, opening the doors to better rates and terms.

    Expertise

    From mortgage broking to wider financial planning, our consultants have a strong, holistic understanding of the financial markets. They’ll use this expertise to understand the nuances of your situation – and tailor a solution that works for you.

    Service

    With an average rating of 4.97 out of 5 from more than 1,800 reviews, we offer an outstanding client experience. We insulate you from the rigmarole of the mortgage process so that you can stay focussed on your investments.

    Private Finance