Commercial mortgages are arranged for the purpose of purchasing or re-mortgaging property that is primarily for commercial or business use and can be arranged for business to trade from, or alternatively as a form of investment.

Mortgages are  provided by banks and other specialist financial institutes. Commercial mortgages are considered a complex type of lending requiring a higher level of expertise to successfully arrange.

Commercial Loan to Value (LTV) Ratio’s

The current typical LTV for a high street bank offering commercial mortgages is 65-70%, however there are higher LTV options available through Secure Finance Ltd via specialist banks up to 75% on a standalone basis, or 100% with additional security if available.

Commercial Interest Rates

High Street banks are able to provide us with rates from 2.1% above the bank of England base rate, but the interest rates for commercial mortgages vary according to a number of factors including but not limited to


  • LTV
  • Property Type
  • Repayment Terms
  • Loan Size
  • Mortgage Type
  • Credit Scoring
  • Income Cover

We are able to arrange some great deals in the market and have access to exclusive products not available directly. With relationships developed through our experience in arranging previous mortgage facilities, we are able to negotiate bespoke terms and broker complex deals with the banks providing you with the benefit of our experience to help you obtain great deals on the market.


Commercial property examples:

Commercial mortgages are available for a wide variety of land and property types.  Here we have listed some of the more recent property types we have secured competitive rates for.


Restaurants and cafes

Offices and office complexes

Convenience stores

Retail outlets

Factories and warehouses

Development Land

HMO (sui generis)

Nursing and care homes

Industrial units

Multi-Unit freehold building

Owner occupation commercial mortgages

Investment purposes

Residential portfolios