What Is A Commercial Mortgage?
A commercial mortgage is a type of finance used by businesses to buy property for business use. This could include offices, warehouses, shops, restaurants, industrial units, clinics, or other trading premises.
Instead of paying rent to a landlord, some businesses use commercial property finance to buy premises and build long-term equity in the property.
How Much Can A Business Borrow?
The amount your business may be able to borrow usually depends on factors such as turnover, profit, deposit size, trading history, credit profile, and the value of the property being purchased.
Our calculator gives you a quick estimate of your potential borrowing capacity before speaking to a commercial finance broker.
Check Your Borrowing CapacityWho Can Use A Commercial Mortgage?
Commercial mortgages may be suitable for businesses such as:
- Limited companies buying trading premises
- Restaurants and cafés
- Retail shops
- Warehouses and logistics businesses
- Gyms and fitness studios
- Dental practices and clinics
- Manufacturing businesses
- Professional service firms
Why Compare Renting vs Buying?
Many business owners spend thousands of pounds each month on rent without building any ownership. Buying premises can sometimes provide more stability, long-term control, and potential capital growth.
However, buying is not always the right decision. It depends on cash flow, deposit, business plans, property value, and affordability.
Use Our Calculator
Get a quick estimate of how much funding your business could potentially access.
Start CalculationImportant Disclaimer
This calculator provides an estimate only and does not constitute financial advice, a mortgage offer, or a guarantee of approval. Commercial finance eligibility depends on lender criteria and individual business circumstances.