Commercial property funding
A commercial mortgage can support the purchase or refinance of property used for business, investment, or mixed commercial purposes. The right structure depends on the property type, rental income, trading performance, borrower profile and long-term plan.
Funding may be used for
- Owner-occupied trading premises
- Commercial investment property
- Mixed-use assets with residential and commercial elements
- Refinancing existing facilities
- Property-backed capital release
How lenders review the case
Lenders commonly assess the property, lease profile, rental cover, trading accounts where relevant, valuation, borrower background and repayment strategy. A clear application helps compare terms and identify practical lender options.
Can a commercial mortgage be used for an investment property?
Yes, many commercial mortgage facilities are arranged for investment properties, subject to the strength of the asset, lease profile and rental income.
Can it release capital from an existing asset?
Where there is sufficient equity and serviceability, refinancing may allow capital release for business or property purposes.