Thinking of Expanding Your Business?

Whether you’re buying a new premises, refinancing existing land, or purchasing a property for investment — a commercial mortgage could be the key to unlocking growth.

We help business owners and investors secure the right commercial finance for their goals — with clarity, speed, and support every step of the way.

Helping You Secure the Right Commercial Mortgage

What is a Commercial mortgage?

A commercial mortgage is a loan secured against a property or land that’s used for business purposes — such as an office, shop, or warehouse.

You’re essentially borrowing money to either purchase a new premises or refinance an existing one, using the property as security.

These are often used by business owners, landlords, or investors wanting to scale or create long-term stability.

Borrow More Than a Standard Loan

If you need to borrow £50k+ for a property or land, a commercial mortgage usually beats a standard business loan in both amount and terms.

Access the Right Lenders

Not all commercial mortgage lenders work with direct applicants — we know who does, and how to present your case properly.

Tailored Advice Based on Purpose

Whether you're buying a workspace, refinancing to access equity, or investing in commercial property — we’ll match the loan to your strategy.

Support with Documents and Projections

Lenders may ask for accounts, forecasts, or business plans. We’ll guide you on exactly what’s needed — and how to prepare.

Benefits of Using a Mortgage Broker for 0% Deposit Mortgages

Be Prepared

Things to Consider With Commercial Mortgages

Deposit Amounts
You’ll usually need to contribute 25–30% of the property’s value. We’ll advise on ways to structure this based on your assets or equity.

Repayment Terms
Most commercial mortgages range from 5 to 25 years. We’ll help find terms that suit your business goals and cash flow.

Interest Rates and Fees
Rates can vary based on the property type, business performance, and loan structure. We’ll explain the full cost upfront.

Property Type Restrictions
Some lenders won’t finance certain types of properties. We’ll ensure the one you’re buying meets eligibility rules.

Long-Term Planning
From exit strategies to remortgaging later, we’ll map out the bigger picture — not just the short-term deal.

FAQs

Can I get a commercial mortgage with no trading history?

Possibly — especially if you have a strong deposit or security. We’ll assess your full situation to advise properly.

Are commercial mortgage rates higher than residential ones?

Typically yes, due to the added risk. But with the right structure and lender, they can still be competitive.

What can I use a commercial mortgage for?

Buying business premises, refinancing an owned property, raising capital — even investing in commercial buy-to-lets.

How long does the process take?

It depends on the lender and property type — but we’ll help move things along efficiently, from enquiry to completion.

Do you provide this advice directly?

No — all commercial mortgage enquiries are referred to Fiducia, who are authorised and regulated by the FCA.

First Time Buyer

As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.

Remortgage

Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.

Self Employed

We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.

Buy To Let

From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.