Is It Better to Lease or Buy My Business Premises?
19th January 2026
Choosing the right premises is one of the most significant decisions a business owner will ever make, impacting everything from
We search a wide range of commercial mortgage deals from across the market, including specialist lenders and exclusive deals.
Get access to high-street lenders as well as specialist products
that aren’t available directly.
Commercial mortgages are also known as ‘commercial property mortgages’ or ‘commercial property loans’. They allow business owners or investors to buy (or refinance) business premises or property investments. Commercial mortgages are used for commercial properties such as office buildings, shops, care homes, hotels, doctor’s surgeries, or blocks of flats.
Owner-occupier Commercial Mortgages
Also known as ‘business mortgages’, this type of commercial finance allows business owners to purchase or remortgage a property to be used as their business premises. Owner-occupier commercial mortgages can also be used for part commercial and part residential properties.
Commercial Investment Mortgages
Commercial investment mortgages allow individual investors or companies to purchase or remortgage property that is let out to commercial tenants. This includes mixed-use or semi-commercial properties.
Unlike residential mortgages, commercial mortgage rates are not usually fixed. Instead, you’ll typically be offered some form of variable rate set at a specific percentage above the Bank of England’s base rate.
Another difference between commercial and residential mortgages is that commercial property lenders will usually take a more bespoke approach when deciding what rate to offer. This involves assessing each proposal on a case-by-case basis to weigh up the risk involved.
We can help you access a wide variety of lenders to assess all your options and find a rate you’re happy with.
Commercial mortgages can enable you to raise finance for your business at typically lower rates than business loans, and the interest is tax-deductible.
You may also use a commercial mortgage to purchase a premises for your own business, or to generate income by letting property to commercial tenants or to residential tenants through multiple occupancy properties such as flats.
Commercial mortgages are usually offered at a maximum of 65-75% loan-to-value. Therefore, you’ll typically need at least a 25-35% deposit.
If you need to borrow at a higher loan-to-value, we may be able to help you find a specialist lender* who’s willing to lend to you providing your proposal meets their criteria.
Find out how much you can borrow and what commercial mortgage rates are available to you with one simple chat.
Are you thinking of buying a commercial property for your business or to rent out to tenants? Our friendly commercial mortgage advisors will search the market to find the most suitable deal for your situation.
When you’re ready, we’ll apply on your behalf and liaise with all parties to ensure your journey is a success.
We can also arrange a Mortgage in Principle so you can start making strong offers on properties you love whilst your main application is being processed.
Simply talk to an advisor to get going!
We’re not affiliated with any particular lender, so our advice is impartial.
Only approaching high street lenders can limit your options. We search a wide range of deals from across the market, including specialist lenders and exclusive deals that are only available through commercial mortgage brokers like us.
We don’t run a credit check on you, so your credit score is not at risk.
We don’t need to run a credit check when searching available mortgage deals for you. We also only apply for deals you’re likely to be accepted for – this is important, because being rejected by a mortgage lender can damage your credit score.
To get the right commercial mortgage, you need to get the right advice.
We have a team of specialist commercial mortgage brokers who’ll help ensure you have a successful commercial property journey. We’ll discuss your situation and needs, and then guide you every step of the way.
We were voted the ‘Best Advisor Firm in the South’ in 2019, 2020, and 2021, and ‘Large Firm of the Year’ for the last three years by one of the UK’s most trusted mortgage and protection organisations.
We’ve also been helping people like you for over 30 years… so we know what we’re doing!
We’ve won multiple ‘Best Advisor Firm’ awards from HLPartnership, one of the UK’s most respected mortgage broker bodies.
We consistently receive great reviews from our customers, and we’re rated 5* on
Trustpilot & Google Reviews!
We’ve been helping people like you for over 30 years. During this time, we’ve grown into one of the most trusted mortgage brokers in the South of England.
We make the mortgage process quick and easy. You’ll just need to chat to us once and then we’ll do all the hard work for you!
We’re a friendly team of real people in a real office, and we can help you in person, on the phone or via video call.
We’re not affiliated with any particular lender, which means we can recommend products based purely on your situation and needs.
We search deals from across the market to find the right mortgage for you, including specialist and exclusive deals that are only available through brokers like us.
We don’t run a credit check and we only apply for deals you’re likely to be accepted for – to protect your credit score and make your mortgage journey smoother.
Check out some of our helpful guides!
Choosing the right premises is one of the most significant decisions a business owner will ever make, impacting everything from
The UK is one of the most popular places to invest in commercial property. In a good market, leasing a
Buying commercial property in the UK can be a profitable way to invest in property or to benefit from owning
Our friendly advisors are ready to help you on the phone, via video call, or in person. Simply book a chat at a time that suits you!
We don’t just find you the right mortgage, we make it easy for you as well.
Spend seconds filling out a few questions online or give us a call to book your FREE consultation.
We'll find you the right deal, handle your application, and guide you through the whole process.
This one’s self-explanatory, just sit back and enjoy the fruits of your new mortgage!
