A commercial mortgage is a loan secured against property that is not your primary residence. These loans are typically used by:

• businesses purchasing office space, shops, warehouses, or factories
• investors buying commercial property to let
• landlords expanding mixed-use or multi-unit property portfolios.

Unlike residential mortgages, commercial mortgages are assessed on both the property and the borrowing business or individual’s ability to repay the loan.

Some landlords invest via limited companies, find out about buy-to-let mortgages here.

A business mortgage plan differs from regular mortgages, as you will typically pay a higher interest rate and need a larger deposit. Having a specialist on board to help match you to the right lender can make the application process much more manageable.

Get in touch with us today, and we can direct you to Watts Commercial Finance Ltd who can offer tailored advice to ensure you make an informed decision when it comes to commercial mortgages and lending.

1. Prepare a strong business case
   Lenders want to see a solid business plan and clear financial projections.
2. Know your credit profile
   Both your business and personal creditworthiness can impact loan terms.
3. Understand deposit requirements
   Most commercial mortgages require a deposit of 25–40% of the property value.
4. Consider interest rate types
   Fixed, variable, and tracker rates are available, each with pros and cons.
5. Use an independent broker
   Brokers like Watts Commercial Finance Ltd provide access to exclusive deals and negotiate on your behalf.

Watts Commercial Finance Ltd can guide you through the different types of commercial lending and mortgages available, whether it is for new start-ups, debt consolidation or raising capital. The team can carry out thorough fact finding to help you with your financial planning and ensure you choose the most suitable option.

Pricing models for commercial lending and mortgages can be complex, and lenders will consider a number of factors including financial projections and business type. Let our team cut through the noise and help you understand the best course of action. We can take the time to recognise your wider circumstances and how that might impact your decision, giving you access to a single adviser to talk to directly.​

Protecting your business is just as important as securing the right commercial finance. Alongside our tailored mortgage advice, Watts also helps safeguard your company’s future with business protection, key person insurance, shareholder protection, small business life insurance, and private medical insurance. By reviewing your protection strategy alongside your commercial borrowing, we help ensure your business can continue to thrive,  even if the unexpected happens.