Commerical mortgage advice built around your business.
Not just the building.
Strategic funding for business owners and property investors.
Whether you’re buying your first business premises, refinancing an existing commercial property, or investing through a company structure, the right finance matters.
The right funding should support cash flow, growth, and long-term plans - not box you into a deal that only works on paper.
We help you structure commercial mortgages that fit your business today and your ambitions tomorrow. Supporting rowth today and building lasting wealth for the future.
Independent | Whole-of-market advice | UK & Northern Ireland | FCA-aligned | Trusted by investors across the UK
Your home may be repossessed if you do not keep up repayments on your mortgage.
The FCA do not regulate commercial mortgages.
Commerical finance is rarely striaghtforward.
Commercial mortgages are not like residential loans.
Rates vary widely. Terms are bespoke. Lenders all assess risk differently. And small details - property type, income structure, lease terms, company accounts - can significantly change what’s available.
For many business owners and investors, the challenge isn’t just getting a commercial mortgage. It’s knowing:
Which type of finance actually fits the strategy
How borrowing today affects cash flow, tax, and future plans
Whether the deal still works when circumstances change
Too often, decisions are made purely on headline rate - without considering the wider financial picture.
Commercial mortgages designed as part of your wider wealth plan
At Turkington Davis, we take a Wealth Architect approach to commercial property finance.
That means we don’t start with lenders.
We start with you.
We take time to understand:
Your business or investment goals
How the property supports those goals
Your income structure and company position
Short-term cash flow needs and long-term plans
Only then do we source and structure the most suitable commercial mortgage - from across the market - so the funding works with your strategy, not against it.
Stop paying rent.
Start investing in your future.
What is a commercial mortgage?
A commercial mortgage is a loan secured against property that is used for business or investment purposes rather than personal residential use.
Commercial mortgages can be used to:
Buy business premises
Refinance existing commercial property
Purchase investment property
Finance an HMO (house of multiple occupancy)
Release capital for growth or reinvestment
They are usually tailored to the borrower and the property, with terms influenced by affordability, income, asset type, and overall risk.
The commercial mortgage process
Commercial mortgages are bespoke by nature. No two deals are assessed in exactly the same way, and lenders take a far more detailed view than they do with residential borrowing.
Our role is to bring structure and clarity to that process - so you always know where you stand, what’s coming next, and why decisions are being made.
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We start with a proper conversation - not a product pitch.
This first step is about understanding:
Your business or investment objectives
The property you’re buying or refinancing
How the property fits into your wider plans
Your current financial position and income structure
We’ll also talk through whether a commercial mortgage is the right solution, or whether an alternative (such as refinancing later, restructuring, or staged borrowing) may be more suitable.
Outcome: clarity on whether the deal makes sense before going any further.
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Once we understand the full picture, we move into strategy.
This is where we look at:
Owner-occupied vs investment structures
Personal vs limited company borrowing
Loan term, repayment type, and flexibility
Affordability now and under stress
How the borrowing aligns with future plans
This step is what separates transactional broking from strategic advice.
We’re not just asking “Can this be done?” - we’re asking “Should it be done this way?”Outcome: a clear borrowing strategy built around your numbers and your goals.
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Commercial lenders all assess risk differently.
Some prioritise trading history.
Some focus on asset quality.
Others take a view on future income or tenant strength.Using whole-of-market access, we:
Identify lenders aligned with your circumstances
Avoid lenders unlikely to proceed
Position the case properly from the outset
This saves time, reduces unnecessary credit searches, and improves the likelihood of a smooth outcome.
Outcome: the right lenders approached, for the right reasons.
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Once a suitable lender is identified, we seek a decision in principle (sometimes called an agreement in principle).
At this stage, the lender will give an initial indication of:
Maximum loan size
Likely terms and structure
Key conditions
This is not yet a full mortgage offer, but it provides valuable reassurance before costs are incurred.
Outcome: confidence to proceed, with fewer surprises later.
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This is where the lender completes their full assessment.
Typically, this includes:
A professional valuation of the property
Review of accounts, forecasts, or rental income
Assessment of lease terms (for investment property)
Personal information for directors or guarantors
We manage this stage closely, liaising with valuers, lenders, and solicitors to keep things moving and address queries quickly.
Outcome: progress toward a formal mortgage offer.
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Once underwriting is complete, the lender issues a formal mortgage offer setting out:
Loan amount
Interest rate and repayment basis
Fees and conditions
Security and guarantees
We review the offer with you in plain English, making sure you understand:
What’s fixed and what’s flexible
Any risks or restrictions
How the deal fits your original objectives
Outcome: informed decision-making, not blind acceptance.
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After the offer is accepted:
Solicitors act for you and the lender
Legal checks and documentation are completed
Funds are released on completion
We stay involved right through to completion, ensuring communication stays clear and delays are minimised.
Outcome: funding in place and your plans move forward.
Ready to talk through your options?
A commercial mortgage should support your business - not restrict it.
If you’re considering purchasing, refinancing, or restructuring commercial property finance, we’ll help you understand your options and build a strategy that fits both now and the future.
Types of commercial mortgages we arrange
Owner-occupied commercial mortgages
For business owners purchasing or refinancing premises they trade from - such as offices, shops, warehouses, surgeries, or industrial units.
Commercial investment mortgages
For investors purchasing or refinancing commercial property that is let to tenants and generates rental income.
Semi-commercial and mixed-use mortgages
For properties with both residential and commercial elements, such as a shop with flats above.
Link here to Buy-to-Let Mortgages page as a comparison for mixed portfolios.
Limited company and SPV borrowing
We regularly structure commercial mortgages for limited companies and special purpose vehicles, taking account of company accounts, retained profits, and director involvement.
Why specialist advice matters for commercial mortgages
Commercial mortgage lending is not standardised.
Different lenders may assess:
Income sustainability
Tenant strength and lease length
Business trading history
Property location and use
Personal guarantees
A deal declined by one lender may be accepted by another - often on very different terms.
Working with a specialist broker means:
Access to a wider range of lenders
Better alignment between funding and strategy
Fewer costly missteps or delays
Clear guidance through a complex process
FAQs: Commercial Mortgages
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A commercial mortgage is a loan secured against property used for business or investment purposes, rather than a residential home. This can include offices, shops, warehouses, industrial units, surgeries, or mixed-use buildings.
Commercial mortgages are usually tailored to the borrower and the property, with terms based on income, risk, and overall affordability rather than a simple salary multiple.
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Most commercial lenders require a deposit of 25% to 40%, depending on:
The type of property
Whether it’s owner-occupied or investment
The strength of income or rental yield
Your experience and overall financial position
In some cases, lower deposits may be possible with strong accounts, additional security, or tenant strength. We’ll assess this upfront so expectations are clear from the start.
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Yes, commercial mortgage rates are typically higher than residential rates. This reflects the increased risk and bespoke nature of commercial lending.
That said, the structure of the deal often matters more than the headline rate.
Flexibility, term length, repayment type, and exit options can all have a bigger long-term impact on cash flow and risk than chasing the lowest rate available.
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Yes. Many commercial mortgages are arranged through limited companies or special purpose vehicles (SPVs).
Lenders will usually assess:
Company accounts and trading history
Director income and experience
Retained profits and balance sheet strength
Personal guarantees (in some cases)
We regularly structure borrowing for limited companies and help clients understand how this fits into their wider financial planning.
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Potentially, yes - although options may be more limited.
If a business has little or no trading history, lenders may place more weight on:
Director experience
Personal income and assets
Deposit size
The strength of the business plan
This is where careful lender selection and positioning really matters.
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While requirements vary by lender, most commercial mortgage applications will involve:
Company accounts (usually 2–3 years where available)
Business bank statements
Details of the property and purchase price
Lease agreements (for investment property)
Identification and background information for directors
We guide you through exactly what’s needed and when, to avoid unnecessary delays.
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Commercial mortgages typically take 8–12 weeks from application to completion, although this can vary depending on:
Property complexity
Valuation timescales
Legal work
How quickly information is provided
We manage the process closely and keep you updated at every stage so there are no surprises.
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Yes. Refinancing is common and can be used to:
Reduce monthly payments
Release capital for growth or reinvestment
Restructure borrowing
Move away from short-term or restrictive lending
We’ll help you assess whether refinancing genuinely improves your position, rather than refinancing for the sake of it.
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Most commercial mortgages are not regulated by the Financial Conduct Authority. This means you may not have access to the Financial Ombudsman Service or the Financial Services Compensation Scheme.
Even so, at Turkington Davis we follow FCA principles of clear, fair, and not misleading communication, and we take time to ensure you fully understand the risks and implications before proceeding.
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Not always.
Owning your premises can provide stability and long-term value, but it also ties up capital and adds responsibility. The right decision depends on:
Cash flow
Business flexibility
Growth plans
The numbers behind the deal
Our role is to help you assess whether ownership makes sense for your situation - not to push you toward a decision that doesn’t stack up.
More Info : Internal Link Suggestions
Remortgages – if you already own and want to refinance
Self-Employed Mortgages – for self employed landlords and investors
Financial Planning – Integrate your investment with your wider financial plan
More Info : External Link Suggestions
MoneyHelper - Do I need a buy-to-let mortgage
Which? - Buy-to-Let mortgages explained
HMRC Renting out Your Property - tax on rental income