Commercial Mortgages for businesses and property investors
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What is a Commercial Mortgage?

Commercial mortgages provide long-term funding for businesses, investors and property professionals purchasing or refinancing commercial property. Liberty Verado works with specialist lenders across the UK to source funding tailored to your objectives.

Whether you’re buying your own trading premises, refinancing existing borrowing or expanding your investment portfolio, we compare specialist lenders to find funding tailored to your objectives.

Suitable for:

✔ Offices
✔ Warehouses
✔ Retail units
✔ Industrial property
✔ Mixed-use buildings

What can commercial mortgages be used for?

🏢 Buying business premises

Own the building your business trades from instead of renting.

💷Refinancing existing borrowing

Reduce monthly costs or restructure existing borrowing.

🏢Semi-commercial property

Mixed-use buildings combining residential and commercial space.

📈 Portfolio Growth

Expand your commercial property investments.

🏬Investment purchases

Purchase commercial property for rental income.

🏗 Capital raising

Release equity for expansion, acquisitions or working capital.

Why choose Liberty Verado?

✓ Independent commercial finance advice

✓ Access to specialist and high street lenders

✓ Relationship-led service

✓ Funding designed around your business objectives

✓ Support from enquiry through to completion

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Ready to discuss your commercial mortgage?

Whether you’re buying your first commercial premises or refinancing an existing portfolio, we’re here to help.

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Looking to purchase land before building? Our Development Finance solutions may be more suitable.

Need short-term funding? Take a look at our Bridging Finance. page

Purchasing equipment as well as property? We can also help with Asset Finance.

Typical Finance Available

Typical Commercial Mortgage Features

✓ Loan sizes from £100,000+
✓ Terms up to 25 years
✓ Capital Repayment
✓Interest Only (where suitable)
✓Fixed and Variable rates
✓Owner Occupier
✓Commercial Investment
✓Limited Company Borrowing
✓Mixed Use Property

The exact criteria vary by lender and property type.

Who we help?

🏭 Manufacturers

🏪 Retail Businesses

🏢 Professional Practices

🚜 Agricultural Businesses

🏨 Hospitality

🏗️Developers

🏢 Commercial Investors

🏭 Industrial Businesses

FAQs – Commercial Mortgages

Every commercial mortgage is different, but these are some of the questions we’re asked most often.

Most commercial mortgage lenders require a deposit of between 20% and 40%, depending on the type of property, your business, and the lender’s appetite for risk. Lower deposits may be available in certain circumstances, particularly where there is strong affordability, security or additional assets available.

The amount you can borrow depends on several factors, including your business income, the property’s value, rental income (for investment properties), and your overall financial position. Commercial mortgages are individually assessed, so every application is tailored to the circumstances.

Yes. Many commercial properties are purchased through limited companies or Special Purpose Vehicles (SPVs). Whether you’re buying your own business premises or investing in commercial property, there are specialist lenders that support company borrowing.

Absolutely. You do not need previous commercial property experience to apply for a commercial mortgage. First-time investors and business owners are considered by many lenders, although the application will be assessed on its overall merits.

Yes. Refinancing can help reduce monthly repayments, release equity, consolidate borrowing or secure a more suitable finance arrangement. We compare options across a wide range of specialist commercial lenders to find the most appropriate solution.

Yes. If your commercial property has increased in value or you’ve reduced the outstanding mortgage balance, it may be possible to release equity. Funds can often be used for business expansion, property purchases, refurbishment or working capital.

Yes, in certain circumstances. Some lenders offer interest-only facilities, particularly for commercial investment properties or where there is a suitable repayment strategy. Availability depends on the lender, property type and overall application.

Timescales vary depending on the complexity of the application, valuation requirements and legal work involved. Straightforward cases may complete within 6–8 weeks, while larger or more complex transactions can take longer. We’ll keep you updated throughout the process and work closely with lenders and solicitors to help keep everything moving.

Commercial mortgages can be used to purchase or refinance a wide variety of properties, including:
✓ Offices
✓ Retail units
✓ Industrial premises
✓ Warehouses
✓ Mixed-use properties
✓ Hotels and guest houses
✓ Healthcare premises
✓ Agricultural buildings

Commercial lending is very different from residential mortgages. Many lenders operate exclusively through brokers and have different lending criteria, sectors and risk appetites. Working with Liberty Verado means you benefit from access to specialist lenders, expert guidance and support from your initial enquiry through to completion.

Still have questions?

Every commercial mortgage application is different. If you’d like to discuss your plans or explore your options, we’re here to help

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You may also be interested in

Many clients exploring bridging finance also consider these funding solutions depending on their longer-term objectives.

Bridging Finance

Fast, flexible finance for purchases, auctions and time-sensitive transactions.

Explore Bridging Finance →

Development Finance

Funding new build and refurbishment projects from acquisition to completion.

Explore Development Finance →

Asset Finance

Finance equipment, vehicles and machinery alongside your property project.
Explore Asset Finance →