Commercial Mortgages for Businesses and Investments
Adler Green provides access to competitive commercial mortgages for investors and business owners seeking long-term finance for property.
Mortgages for Mixed-Use and Commercial Property
We support investors and owner-occupiers across the UK, including in London, the South East, Midlands and major regional cities, as well as rural locations, sourcing lending for commercial properties.
We work with high-street, challenger, private and specialist lenders, so whether you’re purchasing for your own business or as an investment, we connect you to the right lenders who specialise in commercial investment mortgages and owner-occupier commercial loans.
Our expertise in both property and business finance ensures that your project is supported by the right funding structure from start to finish.
What Commercial Mortgages Are Available
For businesses purchaser or refinancing the premises they trade from. Suitable for offices, warehouses, retail units and specialist premises. Affordability is based on business income and projected trading performance.
Commercial Investment Mortgages
For investors purchasing income-producing commercial property such as retail, office, industrial or mixed-use units. Lenders assess the quality of the tenant, the lease, and the rental coverage.
Specialist Property Mortgages
We source loans for more complex assets such as hotels, care homes, leisure or entertainment facilities, medical, and serviced accommodation. Lenders will typically assess trading performance alongside the property value.
Semi-Commercial Mortgages
For investors buying or refinancing mixed-use properties such as shops with flats above. Lenders evaluate income from both the commercial tenant and the residential elements.
Refinance & Capital Raise
Used by both owner-occupiers and investors to unlock equity in existing commercial buildings for expansion, investment renovation or business cash flow.
Multi-Unit Blocks and Portfolio Mortgages
For landlords or companies refinancing multiple units under one facility. Useful for consolidating finance, raising capital or simplifying payment structures.
Typical LTVs & Terms
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Loan size: £100k to £25m+
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Term: typically from 5-25 years for capital and interest, interest-only options available
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LTV: up to 70-75% for strong assets, likely lower for specialist properties
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Interest: variable or fixed rates depending on lender and risk profile
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Security: commercial, semi-commercial or mixed-use properties
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Borrowing structure: personal name, partnership or SPV (Ltd company - preferred for investment purposes)
What Lenders Look For (Checklist)
✔ Strong business or rental income to support repayments
✔ Solid lease agreements and quality tenants (for investment property)
✔ Detailed accounts or trading history (for owner-occupiers)
✔ Sensible property valuation and purchase price
✔ Clear purpose for funds (purchase, refinance or capital raise)
✔ SPV structure or company accounts where relevant
✔ Clean legal title and good property condition
Our Process
Step 1 - Initial Discovery Call
We discuss the property, your business or investment plans, and the structure you are seeking to achieve.
Step 2 - Information & Financial Review
We gather key details such as accounts, leases and rent schedules or trading history (depending on whether the mortgage is for investment or owner-occupation.
Step 3 - Market Search & Indicative Terms
We approach suitable lenders from our broad network and source terms that fit the property type, financials and long-term plans.
Step 4 - Application & Underwriting
We fully package your application, documentation and any due diligence required to submit your application to the lender. We liaise with valuers and solicitors, and work with the lender through underwriting.
Step 5 - Completion & Funding
Once the mortgage is approved and legal work is finalised, funds are released for the purchase, refinance or capital raise.
Commercial Mortgages FAQs
What deposit do I need for a commercial mortgage?
Most lenders will typically require a 25-35% deposit, depending on the lender, property type, repayment method and risk profile.
How long does a commercial mortgage take to arrange?
Commercial mortgages typically take 6-10 weeks to complete, depending on valuation, underwriting and legal work. If you tell us in advance, we can source lenders who can work to tighter timescales, if required.
What affects commercial mortgage rates?
Rates are influenced by several factors including property type, borrower profile, trading strength, lease terms and loan-to-value.
Can I get a commercial mortgage through an SPV?
Yes. SPVs are commonly used for commercial investment purchases and many lenders actually prefer them.
What documents do I need to get a commercial mortgage?
Lenders will usually require documents such as accounts or trading history, bank statements, leases, rent schedules and property details. More complex assets may require further detail to be provided.
Can I raise capital against an existing commercial property?
Absolutely. Many lenders allow refinancing for business growth, investment or debt consolidation.
We support clients seeking long-term commercial property finance, including property investors, portfolio landlords, institutional or build-to-rent landlords, owner-occupier businesses, trading businesses, SPVs and limited companies.
What We Can Source Finance For
We arrange commercial mortgages for offices, retail units, warehouses, light industrial units, semi‑commercial properties, mixed‑use buildings and specialist trading premises.
This may also include agricultural, bars or nightclubs, care homes, children's day nurseries, education facilities, entertainment, equestrian, golf courses, gyms or leisure centres, light or heavy industrial, holiday parks, hotels, leisure facilities, medical, places of worship, food and beverage, and supermarkets.
We also source finance for licenced HMOs, student accommodation and PBSA, retirement and multi-unit-freehold blocks.
We also source finance to fund commercial property development.
