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Commercial mortgages

Funding a property purchase for your business

Key features

Commercial MortgagesCommercial Mortgages

There are many variations of commercial mortgages and property finance, however there are fundamentally three or four types of commercial property funding available.

  1. Commercial mortgages. This can be for either owner occupier or for investment purposes
  2. A short-term funding solution secured a against a single property or multiple properties
  3. These can be for a one off project or for much bigger projects such as multi occupancy conversions of large housing developments
  4. Buy to let. These products can be sourced either by a residential mortgage broker or a commercial mortgage broker. Typically, a commercial mortgage broker will have access to more products

It has become more and more difficult to obtain business or commercial property finance through the banks even with a 50 or 60% deposit.   Banks and financial institutions have different conditions and a good commercial mortgage broker will have up to date information about each lenders’ criteria.

We have access to a huge range of commercial mortgages through major banks, building societies and specialist commercial based property lenders. The appropriate commercial lender is purposefully selected to meet the client’s needs. There is no requirement to switch day-to-day banking, and in some cases we are acutely aware it is beneficial to keep these financing elements separate.

Where suitable, elements of the bespoke commercial loan structures available to clients can include:

Our mortgage solutions cover all types of commercial premises and we understand the individual financing dynamics of the industry in which a business is involved. We look to find the best possible commercial funding solution for all our clients. Where required we can find commercial mortgages for proposals with limited accounting information, imperfect credit records and short trading histories.

For further information and advice, please contact us today for a no obligation chat.

How we have helped our clients with commercial mortgages

Opportunity to buy land and build premises

One of our clients needed to scale up their business premises and had been leasing for the last 5 years. They wanted to invest in a property for their family

Opportunity to buy premises from Landlord

A regular client of ours had an opportunity to buy his factory premises from his landlord after renting them for many years. The issue was he had to find a

Read more case studies
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Other products to consider

bridging finance, loansBridging Finance

  • Pay an urgent debt.
  • Funds available quickly.
  • Flexible rates with interest roll up.
  • Adverse credit accepted.

export finance, develpment financeDevelopment Finance

  • Release fuds and use elsewhere.
  • Take on bigger projects.
  • Increase return on investment.
  • Funds can be available quickly.

Pension Led FundingPension Led Funding

  • Control over your own finances.
  • No third party interest.
  • Flexible - you choose the terms.
  • Improved pension performance.


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020 3301 4540

XL Business Finance Limited are authorised and regulated by the Financial Conduct Authority FRN 718737

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