Commercial Property Mortgage

Empower Your Business Growth.

A commercial property mortgage allows businesses to purchase premises for their own use or as an investment, covering offices, retail units, warehouses, and more.

Benefits

  • Secure premises for business operations

  • Investment opportunities in commercial assets

  • Competitive commercial rates and terms

  • Borrowing against business strength

What Is a Commercial Property Mortgage?

A Commercial Property Mortgage is a loan secured against a property used for business or investment purposes, rather than residential living. It allows you to buy or refinance premises such as:

  • Offices

  • Retail units and shops

  • Warehouses and industrial spaces

  • Restaurants and cafes

  • Mixed-use buildings (e.g. flats above shops)

  • Care homes, hotels, or other specialist properties

Commercial mortgages are available to both owner-occupiers (businesses using the property themselves) and commercial landlords (those letting space to tenants).

Unlike residential or buy-to-let mortgages, these loans are underwritten on a case-by-case basis, often requiring more documentation, negotiation, and expert structuring.

Why It Matters

Commercial property is a significant investment — but it also unlocks revenue, growth, and asset diversification. Whether you’re securing a space for your business or investing in high-yield premises, having the right mortgage strategy is essential.

Benefits of Expert Commercial Mortgage Advice:

  • Access to lenders not available to the public

  • Understanding complex valuation and affordability models

  • Structuring flexible repayment and interest options

  • Navigating business plans, leases, or self-employed income challenges

  • Aligning finance strategy with tax, cash flow, and long-term goals

Who Is This For?

A Commercial Property Mortgage is suitable for:

  • Business owners purchasing premises for operational use

  • Commercial landlords acquiring tenanted shops, offices, or warehouses

  • Investors purchasing mixed-use or specialist buildings

  • Developers looking to fund purchases for conversion or resale

  • Self-employed professionals or contractors buying workspace

  • Limited companies, LLPs, or SPVs buying in a corporate name

Whether you’re acquiring your first office or expanding your investment footprint, expert advice makes all the difference.

How Does the Process Work?

At Matwill Capital, we guide clients through a tailored, lender-focused approach to commercial financing:

  1. Needs & Eligibility Review
    We assess your goals, income, lease/rental income structure, business plans, and property type to identify your borrowing potential.

  2. Lender Matching
    We access high-street banks, challenger lenders, and specialist commercial providers — selecting those aligned with your sector, experience, and deal complexity.

  3. Valuation & Proposal Structuring
    We help you prepare a strong lending case — including projected rental yield, business plans, or tenant schedules — to secure the best terms.

  4. Application & Legal Coordination
    We package your application, coordinate valuation, and liaise with solicitors to guide the deal through due diligence and underwriting.

  5. Ongoing Strategy Support
    Whether you refinance, lease to new tenants, or expand your portfolio, we assist with reviewing mortgage strategy to fit changing needs.

Client Success Story

Financing a £1.2M Mixed-Use High Street Asset

Matwill worked with an investor purchasing a three-storey building in West London: ground-floor retail with four self-contained flats above.

We helped:

  • Secure a commercial mortgage at 65% LTV

  • Structure the loan using anticipated rental income from both residential and commercial units

  • Address the lender’s concern over short commercial lease terms

  • Complete within a 10-week timeframe to beat a contractual purchase deadline

“The deal had too many moving parts for a standard lender. Matwill handled every issue before it became a problem.”
— D. Williams, West London

Frequently Asked Questions

What’s the typical deposit for a commercial mortgage?
Usually 25% to 40%, though terms depend on risk profile, lease quality, and borrower experience.

Is a commercial mortgage available for first-time investors?
Yes, though lenders may request stronger documentation, personal guarantees, or experienced partners.

How long is the typical term?
Usually 5–25 years. Interest-only and capital repayment options are available depending on the property and lender.

Are interest rates higher than residential mortgages?
Yes — commercial loans often have higher rates and fees due to greater underwriting complexity and risk.

Can I buy through a limited company or SPV?
Yes — many lenders offer commercial mortgages to SPVs, LLPs, or trading companies.

Why Choose Matwill Capital?

  • Access to specialist commercial lenders across sectors

  • Experience with both owner-occupier and investment transactions

  • Support for mixed-use, non-standard, or high-value assets

  • Structuring advice including limited company or SPV options

  • FCA-authorised, with a reputation for clarity and reliability

Ready to Fund Your Project?

Let’s Finance Your Next Commercial Move.
Whether you’re buying your first office or expanding your investment footprint, we bring lenders, legal, and strategy together — so your deal gets done.