Whether you’re buying new premises, refinancing, or unlocking equity from your existing assets, Phoenix Commercial Finance can help. We work with a wide panel of lenders to source commercial property mortgages built around your business goals – with competitive terms and an understanding of what makes your business tick.
We support limited companies, partnerships, and sole traders in the UK in securing funding for commercial and mixed-use property.
If you’d like to speak to one of our experts about a commercial mortgage, send us a message on If you’d like to speak to one of our experts about a bridging loan, send us a message on WhatsApp or fill in our no-obligation enquiry form – we’re happy to help.
A commercial mortgage is a property loan secured against property that’s used for business or investment purposes. It’s designed to help businesses purchase, refinance, or release equity from commercial premises such as offices, warehouses, retail units, or mixed-use developments.
Commercial mortgages are typically long-term loans - ranging from 3 to 25 years and can be used by owner-occupiers (businesses buying premises for their own use) or by investors purchasing property to rent out as part of a commericla investment portfolio,
Spread repayments over several years with predictable costs
Build equity in your own premises rather than paying rent
Interest payments may be tax-deductible for some businesses (seek professional advice)
Use equity in owned property to fund expansion, acquisitions, or investments
Choose from fixed or variable commercial mortgage rates UK, depending on your needs
For businesses purchasing or refinancing the premises they operate from, such as offices, warehouses, shops, or industrial units.
For investors buying or refinancing property to let out to third parties. These commercial investment mortgages are repaid from the rental income generated, often structured with longer terms and competitive interest rates.
For properties with both commercial and residential elements for example, a retail unit with flats above (shop and uppers). These commercial property loans can be tailored to complex property structures and mixed rental income streams.
Refinancing an existing property can reduce costs, consolidate debts, or release equity for reinvestment into your business or new projects.
We’ll make the whole process straightforward. Assessing your needs, matching you with suitable lenders, and will manage the process from enquiry to completion
Simply tell us about your property and funding goals and we’ll compare UK commercial mortgage lenders and negotiate the best possible terms. Our team handles every step, ensuring you get the right deal for your business at a competitive rate.
Phoenix Commercial Finance is committed to finding the right commercial mortgage for your business. Whether you’re expanding, investing, or consolidating, our team will find the most suitable commercial mortgage option for your circumstances.
Apply for a Commercial Property Mortgage today or talk to one of our experts by contacting us on WhatsApp or completing our quick enquiry form.
Commercial mortgage rates UK vary depending on several factors, including loan-to-value ratio, business credit profile and trading history, type of property and location and whether the loan is owner-occupied or investment-based. Typical rates currently range from 6% to 10%, depending on lender criteria and risk level. Phoenix Commercial Finance will compare rates across a diverse network of UK commercial mortgage lenders (from high-street banks to challenger and specialist funders) to secure the most competitive terms for your business.
You’ll need to provide details of your business, accounts, and the property being purchased or refinanced. The lender will assess affordability, carry out a valuation, and, if approved, issue a formal offer before completing the loan.
Most lenders require a deposit of 20–40%, depending on the loan type and your business’s financial strength. Investment properties typically require higher deposits than owner-occupied premises.
On average, the process takes 6–10 weeks, depending on valuation, legal checks, and lender requirements. We will manage this process efficiently to avoid unnecessary delays.