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 mortgages built around your business goals.
Our team understands that every business is different, and takes the time to structure a commercial property loan that reflects your circumstances, your plans and the type of property you're looking to finance.
We support limited companies, partnerships, and sole traders across the UK in securing funding for commercial and mixed-use property, with access to competitive commercial mortgage rates that may not be available going direct to a lender.
If you’d like to speak to one of our experts about a commercial mortgage, send us a message on WhatsApp or fill in our no-obligation enquiry form – we’re happy to help.
A commercial mortgage is a long-term property loan secured against property that’s used for business or investment purposes. It is designed to help businesses purchase, refinance, or release equity from commercial premises such as offices, warehouses, retail units, and 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 commercial property portfolio. For many businesses, a commercial property mortgage provides a stable long-term finance solution that support long-term growth, without the uncertainty of renting.
Spread repayments over several years with predictable costs, making a commercial loan easier to manage for long-term business planning.
Build equity in your own premises rather than paying rent by securing a commercial property mortgage tailored to your needs.
Interest payments for a commercial property loan 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, depending on your needs and financial strategy.
For businesses purchasing or refinancing the premises they operate from, such as offices, warehouses, shops, or industrial units.
This type of commercial loan allows business owners to purchase their own premises instead of leasing while building long-term equity in the property.
A commercial investment mortgage is designed for investors buying or refinancing property to let out to third parties. These commercial investment mortgages are repaid from the rental income generated and are often structured with longer terms and competitive interest rates.
Investors commonly use this type of commercial property loan to grow their property portfolio and generate stable rental income.
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, making them suitable for investors seeking flexible commercial loan solutions.
Refinancing an existing commercial property mortgage can reduce your monthly costs, consolidate existing debts, or release equity for reinvestment into your business or a new project.
It is also worth reviewing if market conditions have shifted since your original facility was arranged, as better commercial mortgage rates may now be available to you.
If you need shorter-term funding while a refinance is being arranged, a bridging loan can keep things moving in the meantime
We make the whole process straightforward. Assessing your needs, matching you with suitable lenders, and managing the process from enquiry through to completion.
Simply tell us about the commercial property and your funding goals, and we will compare and negotiate competitive commercial mortgage rates from our wide panel of UK commercial mortgage lenders to secure the most suitable commercial property loan for your business.
If your project also requires development funding alongside your commercial mortgage, we can support you with development finance solutions, too.
Phoenix Commercial Finance is committed to finding the right commercial property mortgage for your business. Whether you are expanding, investing, or consolidating, our team will find the most suitable commercial loan 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.