Commercial Mortgages

Specialist Mortgage Solutions

Looking to purchase, refinance, or expand your commercial property portfolio? At BridgeCross Finance, we help businesses, investors and property professionals secure tailored commercial mortgage solutions designed around their individual requirements.

Whether you are purchasing a retail unit, office building, mixed-use property, industrial premises or investment asset, we work with a broad panel of specialist lenders to source competitive commercial mortgage products that align with your objectives.

Talk to us

Calculate Your Finance

What Is a Commercial Mortgage?

A commercial mortgage is a loan secured against a commercial property or mixed-use asset.

Unlike residential mortgages, commercial lending is assessed based on factors such as the property type, business use, rental income, affordability and investment strength. Commercial mortgages are commonly used by both business owners and property investors.

Commercial mortgage finance may be suitable for:

Offices and business premises
Retail shops and high street units
Warehouses and industrial properties
Mixed-use developments
Semi-commercial properties
Investment properties generating rental income
Hotels, guest houses and specialist commercial assets

Whether you are purchasing your first commercial investment or refinancing an existing portfolio, BridgeCross Finance can help structure the right facility for your needs.

Speak to a friendly expert

Why Commercial Mortgages Can Be More Complex

Commercial mortgages are a specialist area of property finance and often involve more detailed underwriting than standard residential lending.

Lenders may assess:

Ownership structure (personal name or limited company)
Property type and use class
Rental income or business affordability
Trading history (for owner-occupied businesses)
Deposit requirements
Lease terms and tenancy strength
Exit strategy or long-term plans

Because every lender has different criteria, finding the right solution can be challenging without specialist support. At BridgeCross Finance, we work across the market to identify lenders best suited to your circumstances and funding goals.

Speak to a friendly expert

When Commercial Mortgages Makes Sense

Commercial mortgage borrowing levels depend on several factors, including:

Property Type

Some commercial assets are easier to finance than others, particularly standard-use properties with strong market demand.

Loan to Value (LTV)

Many lenders offer borrowing based on a percentage of the property value, subject to the asset type and strength of the application.

Affordability

For investment properties, lenders often assess rental income and investment performance. For owner-occupied premises, business turnover and profitability may also be reviewed.

Experience & Business Strength

Lenders may consider trading history, property experience and financial position when structuring a facility.

Commercial Mortgage FAQs

Deposit requirements vary depending on the property type, borrower profile and lender criteria. Stronger applications may benefit from more competitive leverage options.

Yes. Many lenders support purchases through limited companies and SPVs, particularly for investment purposes.

Commercial mortgage pricing can differ due to the specialist nature of the lending and property risk profile.

Yes. Commercial remortgages can be used to release equity, secure better terms or refinance existing borrowing.

Timeframes vary depending on complexity, valuation requirements and lender processes, but we work proactively to keep things moving efficiently.