UK COMMERCIAL PROPERTY FUNDING
Commercial Mortgages made clear and simple.
Buying trading premises or refinancing an investment property?
A commercial mortgage provides long-term capital to secure your property footprint without draining daily cash reserves.
What is a commercial mortgage?
A commercial mortgage is a long-term loan used to purchase or refinance property intended for business purposes. Unlike standard residential mortgages, commercial mortgages are underwritten based on a combination of the business's trading performance, property value, and projected rental income.
Owner-Occupier Commercial Mortgages: Designed for business owners buying or refinancing premises to trade from (e.g., offices, warehouses, retail shops, industrial units).
Commercial Buy-to-Let (Investment): Designed for real estate investors purchasing commercial property to lease to business tenants for rental yield and capital growth.
Key Loan Terms: Typically 3 to 25-year terms, with variable or fixed interest rates, and leverage between 65% to 75% LTV (and up to 100% LTV with additional security or specialist structures).
Compare real-time market rates in 60 seconds
Commercial mortgage rates vary significantly depending on property type, trading history, and loan-to-value (LTV) ratio. Instead of submitting multiple applications to individual banks, the TrustTree Live Rate Tracker scans over 150 UK commercial lenders simultaneously.
Real-Time Market Comparison: View indicative rates, fees, and maximum borrowing limits matched to your property profile.
Same-Day Decision in Principle (DIP): Secure preliminary approval without impacting your credit score.
Impartial & Transparent: Complete visibility across major UK banks, non-banks, and specialist commercial funders.
Commercial Property Types & Rates We Cover
Industrial & Warehousing: High LTV options for logistics, manufacturing, and distribution hubs.
Retail & High Street Premises: Flexible terms for retail shops, showrooms, and mixed-use properties.
Offices & Corporate Real Estate: Owner-occupied or tenanted office spaces across the UK.
Specialist Commercial Assets: Pubs, medical practices, nurseries, holiday lets, and petrol stations.
Purchasing buy-to-let or HMO investment properties
Refinancing an existing commercial property to release capital, grow your business or secure a better rate
Specialised properties or mixed-use buildings
Portfolio landlords consolidating or expanding their holdings
How we get your mortgage approved fast
Our process is fast and streamlined. Most clients go from first call to approved loan in weeks, not months.
1
You See Live Rates
Input your property value, loan amount, and deal type into our rate tracker to view live market rates.
2
We Review All Info
A specialist commercial broker will review your details and be in touch within 24 hours to discuss and gather any further information.
3
We Go to Market
We compare suitable lenders simultaneously; major banks, non-banks, and specialist commercial lenders most investors have never heard of. You get a shortlist with real numbers, not vague estimates.
4
You Get Approved
We manage the application, the paperwork, and the lender negotiations. We don't get paid unless you settle, so we're motivated to make it happen.