Commercial Mortgages
Specialist commercial and semi-commercial mortgage advice for business owners and property investors. From owner-occupied premises to multi-tenanted investment properties, we source the right lending solution.
What Is a Commercial Mortgage?
A commercial mortgage is a secured loan used to purchase, refinance, or release equity from a non-residential property. Whether you are buying premises for your own business or investing in tenanted commercial property, the lending criteria and product range differ significantly from residential mortgages.
Commercial lenders assess applications based on trading history, rental income, tenant covenant strength, and the property type. Owner-occupied mortgages consider the profitability of the business using the premises, while investment commercial mortgages focus on the lease terms and income sustainability. Semi-commercial and mixed-use properties require lenders comfortable with blended income streams.
Blanc Property Finance has access to a wide panel of commercial lenders, including high-street banks, challenger banks, and private finance houses. We structure each application to present the strongest possible case, negotiate competitive terms, and manage the process through to completion.
75%
LTV up to
25 years
Terms to
All sectors
Property types
Owner & investment
Usage
Why Choose Blanc for Commercial Finance?
We understand the complexity of commercial property lending and tailor every application to the property, tenant, and borrower profile.
Owner-Occupied Commercial
Finance your own business premises with competitive long-term rates. We source deals from high-street banks and specialist lenders who understand your sector and trading history.
Commercial Investment
Purchase or refinance tenanted commercial property for your investment portfolio. Lending is typically assessed on rental income, lease strength, and tenant covenant.
Semi-Commercial Mortgages
Properties with both residential and commercial elements — such as a shop with a flat above — require specialist lenders. We find the right product for mixed-income properties.
Mixed-Use Property
Larger mixed-use buildings with multiple units and income streams need lenders comfortable with complex valuations. We structure finance that reflects the full income potential.
Commercial Refinance
Release equity from an existing commercial asset or switch to a better rate. We review your current terms and compare options across the whole market to reduce your costs.
Land with Planning
Acquire commercial or mixed-use land with planning permission in place. Specialist lenders assess the development potential alongside the current land value.
Frequently Asked Questions
Common questions about commercial mortgages, answered by our specialist team.
Ready to Secure Commercial Finance?
Tell us about your property and we will identify the best commercial lender for your requirements, secure competitive terms, and guide you through to completion.