Commercial Mortgages · Buy · Refinance · Invest
Own the property your business works from
Buy your premises, refinance for a better rate, or invest in commercial property, we secure the right commercial mortgage from 75+ UK lenders, handled end to end by one expert.
Why own?
Why buy instead of rent?
When you rent, every payment goes to your landlord. With a commercial mortgage, that same money builds an asset you own.
Money you won't see again
- Every payment goes to your landlord, not you
- Rent typically rises at each review
- You're tied to the landlord's terms and renewals
- Limited freedom to adapt or extend the space
Money that works for you
- Every payment builds equity in an asset you own
- Costs are predictable often comparable to rent
- You hold a long-term asset on your balance sheet
- Freedom to adapt, extend or sublet the space
Property types
What you can buy or refinance
From a single shop to an industrial estate, we arrange commercial mortgages on most types of property for owner-occupiers and investors alike.
Offices
Workspaces, studios and professional premises.
Industrial & warehouse
Units, factories, storage and logistics space.
Retail
Shops, showrooms and trade counters.
Mixed-use
Commercial below, residential above.
Semi-commercial
Part-commercial, part-residential property.
Land & development
Sites for building, converting or investment.
A national broker with a personal touch
We've helped businesses the length and breadth of the UK secure the right premises and the right deal. Big enough to deliver, small enough to care.
The process
How a commercial mortgage works
From first call to keys in hand and we manage every step alongside you.
Talk to us
Tell us about the property and your plans. We'll outline what's achievable and the likely terms with no obligation.
Decision in principle
We approach the right lenders from our panel and come back to you with an indicative offer.
Valuation & application
The lender values the property while we package and submit your full application.
Formal mortgage offer
Once underwriting is complete, you receive your formal mortgage offer to review.
Completion
Solicitors finalise the legal work, funds are released, and the property is yours.
Ready to get started?
Let's find the right commercial mortgage
Whether you're buying, refinancing or investing, check your eligibility in two minutes no obligation, no impact on your credit score.
Access Business Finance Ltd is a credit broker, not a lender, and an Appointed Representative of EFT Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 667290). We may receive a commission from lenders, which varies by lender and will be confirmed before you proceed. Your property may be repossessed if you do not keep up repayments on a mortgage secured against it.