Commercial Mortgages
Specialist financing for business properties and commercial investments
Commercial Mortgage Information
Commercial mortgages are complex financial products. This page provides general information only. For personalized advice specific to your business property needs, STP Finance will connect you with our trusted FCA regulated partner commercial mortgage specialist.
What Are Commercial Mortgages?
Commercial mortgages are loans secured against property used for business purposes. Whether you're purchasing premises for your business, investing in commercial property, or refinancing existing commercial loans, we connect you with expert guidance throughout the process.
Our accredited partner broker has specialist knowledge of the commercial mortgage market and relationships with lenders who understand business property financing.
Types of Commercial Mortgages We Arrange
Owner-Occupied Commercial Property
Purchase or refinance premises for your own business operations:
- Offices and professional premises
- Retail shops and restaurants
- Industrial units and warehouses
- Medical and dental practices
Investment Commercial Property
Finance for commercial property investments generating rental income:
- Multi-let office buildings
- Retail parks and shopping centers
- Industrial estates
- Mixed-use developments
Semi-Commercial Mortgages
Mixed-use properties combining residential and commercial space:
- Shops with residential flats above
- Live-work units
- Properties with ground floor commercial use
- Guest houses and B&Bs
Development Finance
Short-term financing for commercial property development projects:
- Property conversions (e.g., office to residential)
- New build commercial developments
- Substantial refurbishment projects
- Land with planning permission
Key Benefits of Our Partner's Commercial Mortgage Service
Specialist Lender Access
Direct relationships with commercial property lenders who understand business needs.
Complex Case Expertise
Experience handling unique properties, unusual business structures, and challenging scenarios.
Competitive Rates
They negotiate the best possible terms and rates for your commercial mortgage.
Fast Decisions
Streamlined process with quick turnaround for time-sensitive property transactions.
Commercial Mortgage Requirements
Commercial mortgages typically require:
Deposit
Typically 25-40% of property value
Business Accounts
Usually 2-3 years of trading history
Property Valuation
Professional commercial property survey
Business Plan
For owner-occupied or development projects
Discuss Your Commercial Property Needs
Contact us and we'll connect you with our partner specialist broker for expert commercial mortgage advice. Free initial consultation.
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