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Commercial Mortgages
Unlock business potential with our commercial mortgages. Empowering your enterprise’s growth
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Specialist Mortgages - Commercial Mortgages
Here's How Commercial Mortgages Work
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We're proud to support businesses achieve their long term goals
Commercial mortgages play a crucial role in supporting businesses by providing the necessary financing to acquire or maintain commercial properties.
These mortgages can have different terms and conditions, and they are subject to specific regulations and lending criteria.
It’s essential for borrowers to thoroughly understand the terms of the commercial mortgage and evaluate their ability to meet repayment obligations.
We're proud to support businesses achieve their long term goals
A commercial mortgage is more than just a way to purchase property – it’s a strategic tool for long-term business growth. Whether you’re expanding into a larger premises, purchasing your first commercial unit, or refinancing an existing property, securing the right funding gives you greater stability and more control over your future.
With predictable repayment structures, potential tax benefits, and the ability to build equity over time, a commercial mortgage can significantly strengthen your business’s financial foundation. Many clients choose commercial mortgages to reduce rental costs, increase profitability, or unlock capital tied up in existing properties.
Working with a specialist commercial lender ensures you receive tailored terms that align with your business model, financial goals, and long-term plans.
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Contact our friendly mortgage advice team. Sound mortgage advice from the experts at GoMortgage.
Author: Chris Days - Gomortgage
- 5 Mins
- Updated: Nov 17th 2025
Frequently Asked Questions
What types of properties can I buy with a commercial mortgage?
Commercial mortgages can be used to purchase or refinance offices, retail units, warehouses, industrial buildings, mixed-use properties, hospitality venues, and other business-focused premises.
Do I need to be an established business to apply?
Not always. Many lenders work with both established businesses and new ventures, but eligibility will depend on factors like credit history, financial projections, business performance, and the property’s potential income.
How much deposit do I need for a commercial mortgage?
Commercial mortgages typically require a deposit of 20–40% of the property value, depending on the lender, your financial strength, and the risk associated with the property.
What documents will I need when applying?
Most lenders require business accounts, proof of income, bank statements, identification, details of the property, and in some cases, a business plan or future revenue projections.
Are commercial mortgage rates higher than residential mortgages?
Yes, commercial rates are usually higher because lenders see commercial borrowing as higher risk. However, rates vary widely depending on your business finances, credit profile, deposit size, and property type.
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Speak With A Mortgage Advisor.
Contact our friendly mortgage advice team. Sound mortgage advice from the experts at GoMortgage.
