Commercial Mortages
What Is a Commercial Mortgage?
A commercial mortgage is a facility that allows businesses to purchase or refinance property by borrowing against its value. Similar in structure to residential mortgages, these facilities provide capital that can be repaid through fixed instalments over an agreed term.
Commercial mortgages can support a wide range of objectives, including acquiring premises, purchasing land for development, refinancing existing property, funding renovations, or expanding business space.
At Kingswell Partners, our property finance specialists provide tailored support across the UK, ensuring your commercial mortgage is structured to fit your requirements.
Commercial Mortgage Options
Both facilities release cash against outstanding invoices, but there is a key distinction:
Owner-Occupier Mortgages
Designed for businesses that want to purchase or refinance premises they will use themselves. As with a residential mortgage, a deposit is required (typically around 30%) followed by regular repayments until the loan is settled.
Commercial Investment Mortgages
Structured for income-generating properties, this facility is designed around the rental income or returns from the asset. It’s an ideal route for those looking to expand or diversify their property portfolio.
How Commercial Mortgages Work
Assessment
Lender reviews financial performance, property value, and repayment capacity.
Approval
Deposit of ~30% is required once approved.
Repayment Structure
Loan repaid over an agreed term with either interest-only or capital & interest payments.
Ownership / Refinancing
Facility supports property purchase, refinancing, or expansion.
Is a Commercial Mortgage Right for Your Business?
This type of commercial mortgage can be a strong option if:
- You want long-term stability through property ownership
- You want to move away from renting
- You want structured, predictable payments
- You want to fund new developments or expansions
- You’re investing in income-generating properties
- You want security + control over your premises
At Kingswell Partners, we combine property expertise with exclusive access to a broad network of lenders, ensuring that every facility is carefully aligned with your goals.