Commercial property mortgages are a vital source of finance for businesses and investors looking to purchase, refinance, or expand within the UK commercial property market. Whether you are acquiring premises for your own business, investing in commercial property, or dealing with a mixed-use building, securing the right mortgage structure can significantly impact your long-term success.
At Olympia Finance, we specialise in arranging tailored commercial mortgage solutions in London and across the UK, helping clients navigate a complex lending landscape with confidence.
What Is a Commercial Property Mortgage?
A commercial property mortgage is designed for companies, partnerships, or individuals who are purchasing or remortgaging property for business use or investment purposes. Unlike residential mortgages, commercial mortgages are assessed primarily on the property’s value, the borrower’s trading performance, and the viability of the business or investment.
Commercial mortgages can be used for:
- Owner-occupied business premises
- Commercial property investments
- Semi-commercial or mixed-use properties
- Refinancing existing commercial loans
- Capital raising against commercial assets
Owner-Occupied Commercial Mortgage
If you are purchasing or remortgaging premises for your own business use, an owner-occupied commercial mortgage may be the most suitable option.
At Olympia Finance, we can arrange commercial finance for:
- Offices and professional practices
- Pubs, restaurants, and leisure premises
- Retail shops (with or without living accommodation)
- Industrial and manufacturing units
We assist both new business start-ups and established businesses.
- Start-ups typically require a business plan and first-year trading projections
- Existing businesses generally need the last two or three years’ accounts
Where full proof of income is not available, self-cert commercial mortgages may be possible, often supported by an accountant’s certificate.
Commercial Property Investment for Rental Income
Commercial investment mortgages are suitable for individuals or companies purchasing or refinancing property that is let to a third party.
Olympia Finance can arrange funding across a broad range of sectors, including:
- Office buildings
- Retail units
- Leisure properties
- Industrial and manufacturing premises
- Healthcare and education facilities
Our access to specialist lenders allows us to structure competitive deals aligned with rental income, lease terms, and long-term investment objectives.
Semi-Commercial and Mixed-Use Mortgage
Semi-commercial properties combine residential living accommodation with a business element. These can be:
- Owner-operated, where the applicant runs the business
- Investment-based, where the commercial unit is let on a formal lease
Because semi-commercial properties fall between residential and commercial criteria, lender appetite varies significantly. Olympia Finance understands these nuances and works with lenders who are comfortable with mixed-use security.
Remortgaging Commercial Property
Remortgaging can be an effective way to:
- Secure a better interest rate
- Release capital for business growth
- Restructure existing borrowing
We can arrange funding of up to 75% loan-to-value, subject to:
- Trading performance
- Industry type
- Property condition and location
Most commercial mortgages are assessed on the bricks-and-mortar value of the property, excluding business goodwill and fixed assets. In certain sectors, lending may also be based on business appraisal value, which can include goodwill.
Types of Commercial Mortgage Deals We Can Arrange
Olympia Finance works with a wide panel of UK commercial lenders, enabling us to source solutions across varying criteria and risk profiles. Typical terms include:
- Loan sizes from £100,000 to £25,000,000
- Mortgage terms from 5 to 30 years
- Up to 75% loan-to-value
- Repayment or interest-only options
Each case is assessed individually to ensure the structure supports your financial objectives.
Why Choose Olympia Finance for Your Commercial Mortgage?
Olympia Finance is a specialist UK mortgage broker based in London and serving clients nationwide. Our strengths include:
- Access to the whole of the market, including specialist and niche lenders
- Expertise in complex and non-standard cases
- Bespoke advice tailored to your business or investment goals
- A client-focused, transparent approach from enquiry to completion
Even if your circumstances fall outside mainstream lending criteria, we may still be able to help.
Speak to Our Commercial Mortgage Specialists
If you are considering purchasing, refinancing, or investing in commercial property anywhere in the UK, contact Olympia Finance today. Our experienced team will guide you through every stage of the process and help secure a commercial mortgage solution that works for you.
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