About Owner Occupier Mortgages

Commercial property finance is a complex market. We can find you the most flexible terms on commercial mortgages and finance at a competitive price.

As we are independent, we are free to consider all the mortgage and finance options available. Commercial Mortgages include Finance for your Business premises, Finance for a Commercial investment property, Bridging Loans and Development Finance. We have the knowledge, contacts and experience to provide you with specialist advice and support in arranging the best commercial finance deal.

Criteria highlights & areas we can help

  • Market leading rates
  • Up to 100% LTV (with additional security)
  • Loans from £20,000 with no maximum limit
  • Interest only options
  • Fixed and variable rates
  • Adverse credit options
  • Lending in England, Wales and Northern Ireland
  • Multiple units, Retail Units, Industrial Units
  • Mixed use properties, Single freehold units
  • Houses in Multiple Occupation (HMO)
  • Warehouses & Offices
  • Care and Nursing Homes
  • Restaurants and Public Houses
  • Hotels and Guest Houses
How Can We Help?
Please get in touch on 0208 720 9349
Enquire Now

(Open 7 days a week, from 9 am to 8 pm on weekdays and until 6 pm on weekends)


You can leave us your contact details via our enquiry form, or you can call us during business hours and we will return your call at your nearest possible convenience in order to discuss in more detail the buy-to-let mortgage product that Mortgaze may be able to secure for you.

By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Frequently Asked Question

We are happy to answer your queries on the phone or in person but here are answers to some of the most frequently asked questions we receive regarding buy to let mortgages for limited companies.

Commercial Mortgage loans starts from £20,000 with no maximum limit.

Majority of the lenders are comfortable in lending up to 70% – 80% but up to 100% can be obtained with additional security.

Unlike most buy-to-let mortgages where you receive a standard mortgage rate, rates for commercial mortgages are individually priced to match the strength of the proposal. There are various factors which lenders keep into account while calculating the interest rate. Not limited to but generally these will include:

  • Loan To Value Ratio
  • Location and physical condition of the property.
  • Covenant (tenant) strength – The strength and performance of the business that will rent the property.
  • Lease terms – Lease tenure, break in clause etc
  • Credit Worthiness of the borrower – Your credit History
  • Previous track record, industry sector and the strength and performance of your business or the business you are considering

With this in mind, the Mortgaze team will also ensure that your proposal is well presented to lenders highlighting all the strengths and secure best possible terms for your commercial mortgage.

Lender arrangement fee: Payable to the commercial mortgage lender for arranging the finance.

Valuation fee: The valuation is done a surveyor who is on the panel of the bank. The fee is usually paid on submission of the application or once the facility has been agreed in principle. Valuations on commercial properties are usually more expensive than valuations for residential properties.

Legal fees: This fee is paid to a solicitor for doing the legal work for yourself and possibly your lender. Fees are usually higher than those for a residential property because of the nature and complexity of titles and covenants.

At the outset, we will only collect basic information to understand your mortgage requirement. The information we take at the stage will circle around details of the proposed security (property), your loan requirements and income form the property to calculate serviceability of the loan. This will help us ascertain whether we can help you with your borrowing requirements or not. Once we have established that, we will ask you to complete a commercial mortgage application and give you list of documents required specific to your case. Normally, we expect applicants to provide the following documents:

  • Identification and Address Proof
  • Proof of Income
  • Asset & Liability Statement
  • Certified financial accounts for either the existing trading business or the target business.
  • Details of the tenant and lease (for a commercial investment mortgage)

Contact us here or by phone to find out more about Commercial Mortgages. We will be happy to arrange a free consultation with you so that we can start working towards achieving the best possible mortgage solution for you today.

Commercial property is, generally speaking, property used for the sole purpose of carrying out or performing business activity. This would exclude residential property and/or primary industries such as mining and agriculture. The three main types of commercial property are retail (including supermarkets, shopping centres and retail warehouses); offices (including business parks); and industrial property (including factories and warehouses). Also included to a lesser degree is leisure property (including hotels, bars and restaurants) and health care property (including hospitals, doctors surgeries and care homes)

Mortgage Calculator

We work with some of the best and most experienced lenders to bring high quality mortgage solutions..

Mortgage Repayment Calculator

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Non Residential Stamp Duty Calculator

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Please note that this calculator is only for illustrative purposes only and is not a mortgage offer. This is a guide to how much you'd pay each month. The exact amount will depend on the type of mortgage and the lender.

Some of Our Lenders

We work with some of the best & most experienced lenders to bring high quality mortgage solutions..

  • MT Finance

  • Saffron Building Society

  • Aldermore BTL

  • Clydesdale Bank

  • Kent Reliance

  • National Counties Building Society

  • Santander Corporate & Commercial

  • Aldermore Commercial

  • Abbey

  • Cambridge Building Society

  • InterBay Commercial

  • Mortgage Trust

  • Principality Building Society

  • Accord Mortgages

  • Castle Trust

  • Kensington

  • Shawbrook Bridging

  • Arbuthnot Latham

  • Dragonfly Development

  • Leek United

  • Norwich and Peterborough

  • Shawbrook BTL

  • Axis Bank

  • Dudley Building Society

  • Lend Invest

  • Norwich and Peterborough BTL

  • Shawbrook Second Charge

  • Bank of China

  • First Bank of Nigeria

  • Lloyds Bank Commercial

  • Oblix Capital

  • Skipton Building Society

  • Barclays Commercial

  • Fleet Mortgages

  • Marsden Building Society

  • Paragon Mortgages

  • The Mortgage Works

  • Barclays Mortgages

  • Foundation Home Loans

  • Masthaven

  • Pepper Homeloans BTL

  • Together BTL

  • Birmingham Midshires

  • Harpenden Building Society

  • Metro Bank

  • Platform

  • Together Commercial

  • Bridgebank Capital

  • Hinkley and Rugby BS

  • Metro Bank Commercial

  • Precise Mortgages BTL

  • UBS

  • Buckinghamshire Building Society

  • HSBC Commercial

  • Mint Bridging

  • Precise Mortgages Bridge

  • United Trust Bank

  • Cambridge and Counties Bank

  • ICICI Bank

  • Monmouthshire Building Society