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What is a commercial mortgage?

Commercial investment mortgages, also known as business mortgages, are specifically designed for individuals or businesses looking to purchase a property as a business asset.

There are two types of commercial mortgage – an owner-occupier mortgage for trading premises and a commercial investment mortgage for those looking to invest in commercial property.

An owner-occupier commercial mortgage is suitable for individuals or businesses who purchase property with the intention of trading from it while securing an asset at the same time.

Commercial investment mortgages are specifically designed for individuals or businesses looking to purchase a property as a business asset. This may be in order to profit from rent and property value appreciation

Commercial mortgages can be structured in many different ways including onshore, offshore, company name, LLP, or trust. Here at Coreco our expert team of experienced brokers are very comfortable handling large development schemes – it’s one of our specialist areas.

If you would like to speak to a specialist commercial mortgage broker, we’re on hand to help. Call 020 7220 5100 or visit our contact page for more contact options including email and livechat.



  • When can I use a commercial mortgage?

    Some of the more lucrative commercial investments include shopping centres, industrial estates, agricultural land and office buildings.

  • Who can get a commercial mortgage?

    From a lenders point of view, there are two key factors to consider:

    • The calibre of the tenant – This determines the yield and thus the value of the asset.
    • The borrower’s security– Lenders will usually insist on a signed personal guarantee when any individual/company secures a loan. This gives the bank access to the borrower’s personal assets if the business fails to pay back the loan.
  • What are the commercial mortgage rates?

    Commercial mortgage rates are dependent on experience, track record, industry sector and the strength and performance of your business, or the business, you are considering.

    Competitive commercial mortgage rates are available for business owners, but be prepared. You might be able to achieve better rates if you move your business banking to the same provider that you borrow from. On the other hand, commercial mortgages from specialist lenders tend to be priced a little higher, but they may not want your business banking.

    Commercial mortgages are typically set at an interest rate above the Bank of England’s. Generally, loans are available for up to 75% Loan to Value (LTV), so expect to provide a minimum of 25% of the property value, and funding is available from £500,000 to upwards of £100 million depending on the project.

CorecoImportant Information

The important bit

Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

A percentage of the mortgage amount may be charged depending on individual circumstances. A typical fee is 1%.

Coreco Commercial is a trading style of Coreco Specialist Finance. Coreco Specialist Finance. Registered Office: 117-119 Houndsditch, London EC3A 7BT. Registered in England Number: 06851546

Coreco Specialist Finance Limited is authorised and regulated by the Financial Conduct Authority.

Some types of finance offered by Coreco Commercial are not regulated. Please contact us for more details.

Coreco Commercial advisers are experienced mortgage advisers but we are not tax advisers. Please seek independent tax advice if required before you decide to proceed.


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We know that all our clients are unique, and therefore the finance you require needs a different approach. We pride ourselves on providing a client focussed journey built around your needs and goals.

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