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.

Talk Through Your Plans

Independent | Whole-of-market advice | UK & Northern Ireland | 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.

Renting business premises rarely builds wealth

Owning commercial property can provide greater control, long-term stability, and the opportunity to build equity rather than paying rent indefinitely.

At the same time, navigating commercial finance can feel complicated. Rates vary widely. Terms are bespoke. Lenders assess risk differently from residential mortgages, and every deal is unique.

You will want to consider: 

  • 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. That’s where the right advice makes a difference.

For many businesses, renting premises is simply part of the journey.

But over time, rent payments can start to feel like money that disappears every month without building anything for the future.

Many business owners eventually ask themselves the same question:

Would it make more sense to own the building instead?

See What May Be Possible

Commercial mortgages designed around your goals

Business owner discussing commercial mortgage options with a financial adviser.

A commercial mortgage allows you to borrow money to purchase or refinance property used for business purposes.

This could include premises you operate from or buildings that generate rental income.

With the right structure in place, commercial property can become a powerful asset for both businesses and investors.

At Turkington Davis, we help clients secure commercial mortgages for a wide range of situations, including:

  • For businesses purchasing their own premises such as:

    • Offices

    • Shops

    • Warehouses

    • Industrial units

    • Restaurants or hospitality venues

    Owning your premises can give your business stability and turn monthly payments into long-term equity.

  • For investors purchasing property that will be rented to commercial tenants.

    Examples include:

    • Retail units

    • Office buildings

    • Mixed-use developments

    • Industrial units

    These properties can generate rental income while also growing in value over time.

  • Some properties combine residential and commercial use.

    Examples include:

    • Shops with flats above

    • Restaurants with accommodation

    • Offices with residential units

    These require specialist lenders and careful structuring, which is where expert advice becomes particularly valuable.

Explore Commercial Property Opportunities

Stop paying rent.

Start investing in your future. 

What a commercial mortgage could mean for you

A commercial mortgage is not just about funding a building.

It can help support the long-term strategy of your business or investment portfolio.

  • Owning your property means you are no longer exposed to landlord decisions or rent increases.

    You decide how the property is used and developed.

  • Over time, mortgage payments contribute towards ownership of the property.

    This means you may be building an asset rather than simply covering rent.

  • Commercial property can provide both rental income and capital growth depending on the property and location.

  • Owning business premises can strengthen your balance sheet and provide security for future borrowing if required.

  • Commercial finance is far less standardised than residential mortgages.

    Different lenders specialise in different types of property and businesses.

    Working with a broker means accessing a wider range of potential lenders.

Explore Your Commercial Mortgage Options

Commercial finance built around your wider financial strategy

Every commercial mortgage is different.

The property, the tenant, the business performance and the borrower’s goals all play a role in determining what lenders will consider.

At Turkington Davis, we take the time to understand the bigger picture.

Our role is not simply to arrange a loan.

We help structure finance that supports your long-term financial strategy.

This may include:

  • Assessing which lenders are most suitable

  • Structuring borrowing through individuals or limited companies

  • Considering long-term investment goals

  • Coordinating finance alongside other property or mortgage plans

Our approach reflects the philosophy behind Turkington Davis:

Helping people turn today’s work into lasting wealth.

How Commercial Mortgages Work

  • Commercial mortgages are assessed differently from residential mortgages.

    Instead of focusing mainly on personal income, lenders usually consider a combination of factors.

  • The property itself acts as security for the loan.

    Lenders will assess its value and suitability.

  • Commercial mortgage deposits are typically higher than residential mortgages.

    Most lenders require between 25% and 35% deposit, although this can vary.

  • For owner-occupier mortgages, lenders will usually assess the financial strength of the business.

  • For investment properties, lenders will consider the tenant and lease terms.

  • Experience in business or property investment can also influence lender decisions.

    Because each lender assesses these factors differently, working with a broker can help identify the lenders most likely to support your plans.

Our Process

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

Arrange a Quick Conversation

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.

Book Your Commercial Mortgage Consultation

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

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

Speak With an Adviser

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