Commercial Mortgage Broker London

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What our clients say

“Private Finance provided excellent service securing a remortgage for my property even though it was not a straight forward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”

“Private Finance worked incredibly hard to secure our business re-mortgage. They were always calm, professional, polite and ready to wade in on our behalf when things stalled. We would happily recommend them, and look forward to maintaining our relationship. Many thanks!”

“Outstanding services in our mortgage search, during a weird environment of fast-changing market conditions. The team has always been super responsive, very clear in their replies to all questions we had along the process, and managed to get us extremely good deals on various mortgage products. I can only strongly recommend them for your mortgage search!!”

“Private Finance provided excellent service securing a remortgage for my property even though it was not a straightforward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”

“Professional and proactive advice and service – secured me an amazing rate on my mortgage. The team were great with their communication and I always felt confident that things were progressing – completely took away any anxiety from a stressful process!”

“Private Finance have been fantastic in finding me the right provider and the right price. We have used them twice now, and both times the communication was fantastic, the options explained, and the rest of the paperwork dealt with. Would highly recommend.”

What is a commercial mortgage?

A commercial mortgage is a type of loan for individuals or business owners used to purchase or refinance a commercial property – this also includes mixed use properties and land. In contrast to residential mortgages, commercial mortgages fund a property purchase for business activity, rather than a property you plan to live in.

Types of commercial mortgage

Commercial owner occupied

Owner-occupied commercial mortgage, also known as a business mortgage, is used when a property is being purchased for the buyer’s own business to trade from.

Commercial investment

For individuals and companies looking to buy or refinance commercial property and generate income by renting out the property.

Semi-commercial

A semi-commercial (or mixed-use) mortgage is used to purchase or refinance a property that has both commercial and residential elements.

Commercial bridging loans

For individuals and companies looking to buy or refinance commercial property and generate income by renting out the property.

What types of property can a commercial mortgage be used for?

A commercial mortgage may be used for a variety of commercial premises including:

Retail outlets and hospitality
Office buildings and warehouses
Industrial units and factories
Block of flats and HMOs
Guest homes and B&Bs
Nursing and care homes
Dentists, doctor’s surgeries, pharmacies, and veterinary practices
Agricultural Land

Please remember your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate commercial finance and some forms of buy-to-let mortgages.

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Commercial mortgage lenders

Commercial mortgages are inherently complex and require expert advice and tailored lending solutions. Unlike residential mortgages, there are no pre-packaged or ‘off-the-shelf’ options available due to their bespoke nature. As a specialist mortgage broker, we work closely with you to tailor your mortgage according to your needs, budget, property, and business type.

High street lenders

High street lenders serve a broad market, allowing them to offer competitive rates due to their scale. However, individuals may find that these lenders lack the flexibility needed for more specialised requirements.

Specialist banks

Specialist lenders generally focus their business towards specialist lending including commercial mortgages, compared to high street lenders who cater to a wider range of customers. Private banks and specialist providers may offer a higher degree of flexibility in their lending criteria.

Expert commercial mortgage advice in London

As a specialist independent, whole-of-market London mortgage broker, we have the industry expertise and commercial lender connections to tailor the right commercial mortgage solution for you.

Lender relationships

Relationships in the commercial mortgage market are key – many commercial lenders only communicate through a broker or intermediary such as Private Finance. Using our strong lender ties and industry expertise, we pair you to the most suitable lender, opening the doors to better rates and terms.

Knowledge and expertise

We believe in holistic mortgage advice that considers both your personal circumstances and also the broader financial markets. To achieve this, we partner with wealth advisers and accountants to draw on their expertise when needed to provide excellent commercial mortgage advice for our clients.

Top rated service

With an average rating of 4.97 out of 5 from more than 2,000 reviews, we offer an outstanding client experience. We insulate you from the hassle of the mortgage process so that you can stay focussed on your investments.