Commercial Mortgage Advice for Business Property
Whole-of-Market Access
Our Lending Partners
We work across leading UK banks, building societies and specialist lenders to source finance suited to your goals.
A commercial mortgage lets a business buy or refinance property used for trade — shops, offices, warehouses, industrial units or mixed-use premises. Because the lending is secured against business property, lenders look at the building and the trading performance behind it, which makes these cases quite different from a residential mortgage. Hunter Capital works as a commercial mortgage broker for business owners and investors in Oldham, Greater Manchester and across the UK, giving you access to both mainstream and specialist commercial lenders through a single conversation rather than approaching them one at a time.
Who It May Be Suitable For
How It Works
Understand your requirement
We talk through the property, how the business uses it, what you are trying to achieve and your timescale. This first conversation shapes everything that follows.
Explore the market
We look across the whole of the commercial market — mainstream high street lenders and specialist providers — for options that may fit your circumstances and the property type.
Build the application
Commercial cases need more detailed information than a residential mortgage. We help you assemble what lenders typically require, from trading accounts to property details, and present it clearly.
Manage the process
We keep the application moving, deal with lender queries, valuers and solicitors on your behalf, and stay involved right through to completion.
What Hunter Capital Can Help With
- Explaining how commercial mortgage lending works in plain English
- Reviewing options across both mainstream and specialist commercial lenders
- Supporting purchases, remortgages and refinancing of business property
- Helping you understand what each lender will need before you apply
- Liaising with lenders, surveyors and conveyancers on your behalf
- Talking through how commercial finance fits alongside other business borrowing
Key Considerations
- !Lenders assess the trading performance of the business as well as the value and use of the property
- !Commercial cases usually take longer to complete than a residential mortgage
- !Some commercial finance is not regulated by the Financial Conduct Authority
- !Valuations and surveys for commercial property tend to be more detailed
- !The loan-to-value and terms available can vary significantly between lenders
- !YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Frequently Asked Questions
A commercial mortgage is a loan secured against property used for business purposes — such as a shop, office, warehouse or industrial unit. It can be used to buy premises, refinance an existing commercial property or release equity from one. We explain how it works and review what may be available across the market.
A residential mortgage is for a home you live in, while a commercial mortgage is secured against business property. Lenders look at the trading performance of the business and the income the property generates, not just your personal finances. The process and criteria are different, which is why specialist advice can help.
Some commercial mortgages are not regulated by the Financial Conduct Authority, particularly where the borrowing is for business purposes. We will always explain the regulatory position for any option we discuss so you know where you stand.
Lenders typically look at the property, its use, the rental or trading income it produces and the financial position of the business or borrower. Criteria vary between lenders, so reviewing the market rather than approaching a single provider can give you a clearer picture of what is available.
Yes. Refinancing an existing commercial property can be an option when a deal is ending, when your circumstances have changed, or to release equity for the business. We can review what may be available based on your situation.
Deposit requirements for commercial property vary between lenders and depend on factors such as the property type, its use and the strength of the business case. We can talk through your circumstances and explain what lenders are likely to expect.
Commercial cases generally take longer than a residential mortgage because the assessment is more detailed. Timelines depend on the lender, the property and how quickly information can be gathered. We help keep things moving and manage expectations throughout.
Related Services
Speak to an Adviser About Commercial Mortgages
Book a no-obligation consultation to discuss your circumstances and explore what may be possible.
