Property Finance

Commercial Mortgages

Secure long-term funding to buy or refinance commercial property: build equity instead of paying rent.

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Soft-check eligibility only • no impact on your credit score

Our Lender Panel Includes

Shawbrook•Close Brothers•Lombard•Black Horse•Hitachi Capital•Northridge•JBR•& More

66+

Trusted Lenders

£100M+

Funded

Highly

Reviewed

Excellent on Google Reviews

Why Choose a Commercial Mortgage?

Stop paying rent and start building an asset that works for your business.

Long-Term Stability

Terms from 10 to 25 years give your business financial certainty and predictable monthly repayments.

Competitive Rates

Access a panel of specialist commercial lenders offering rates tailored to your property and business profile.

Build Equity Over Time

Every repayment builds equity in your commercial asset, turning an expense into a long-term investment.

Buy, Refinance or Release Equity

Whether purchasing, refinancing an existing mortgage, or releasing capital, we find the right structure.

Owner-Occupied & Investment

Finance for businesses occupying their own premises or investors acquiring commercial assets for rental income.

Expert Guidance Throughout

Our specialist brokers manage the entire process from initial assessment through to funds release.

Our Finance Process

Our Process

A clear, guided journey from first enquiry to funds in your account.

Initial Enquiry & Quick Assessment

Tell us about the property and your financial position. We'll provide an honest preliminary assessment within 24 hours.

Detailed Consultation & Documentation

A dedicated broker collects full details and required documentation to present your case in the strongest light.

Tailored Finance Proposal

We source from our lender panel and present a clear, bespoke proposal with rates, terms, and conditions explained.

Lender Approval & Legal Process

Once you proceed, we manage lender communication and coordinate solicitors to keep the legal process on track.

Funds Released

With all conditions satisfied, funds are released and your commercial property journey begins.

Looking To Finance Something Else?

Explore our full range of vehicle, business, and property funding solutions.

Business Loans

Short and medium-term working capital for your next deal.

Asset Refinance

Release equity from existing assets to support expansion.

Vehicle Finance

Fund operational vehicles for construction and property teams.

Testimonials

What Our Clients Say

Real stories from real clients

BCC

Trustpilot · Great Service from Start to Finish

“

Dan and Owura were incredibly helpful from start to finish. They guided me through the process of funding my Lamborghini Huracán Tecnica, making everything smooth and stress-free. Their professionalism and attention to detail made the experience enjoyable, and they were always available to answer my questions. I couldn’t be happier with the service.”

Opulent Pools

Trustpilot · Couldn’t recommend Crownstone enough

“

Both Dan and Owura are so helpful throughout the process, giving me loads of different options as well as advising what would work best for me. They’ve now financed 5 different cars for me and every single time they’ve gone above and beyond. 5 star guys.”

Debonair Cooling

Trustpilot · Owura and Dan are amazing

“

Owura and Dan are amazing - they’ve got me 2 vans and a GLE53. Great guys, customer service etc. Will be using them for a lifetime.”

Case Studies

Recent Work

McLaren 720S Finance

Complex income structure resolved with specialist lender.

Read Case Study

Fleet Expansion

£2.5M fleet finance arranged for growing logistics company.

Read Case Study

Frequently Asked Questions

A commercial mortgage is a long-term loan secured against a commercial property such as an office, retail unit, warehouse, or mixed-use building. Unlike residential mortgages, commercial mortgages are assessed on both the business's ability to service the debt and the property's value or rental income potential.

You borrow a lump sum secured against the property, repaying it over an agreed term (typically 10–25 years) with interest. Repayments can be capital and interest (repayment) or interest-only, depending on your lender and circumstances. The property acts as security, so if repayments aren't maintained, the lender may take possession.

The main types are owner-occupied (where the business using the premises takes the mortgage) and commercial investment mortgages (where the property is purchased to generate rental income). We also arrange semi-commercial mortgages for mixed-use properties with both residential and commercial elements.

Loan amounts vary by lender but typically range from £50,000 to several million pounds. Lenders usually offer up to 70–75% loan-to-value (LTV), meaning you'd need at least a 25–30% deposit or existing equity. The exact amount depends on the property value, rental income, and your business's financial profile.

Commercial mortgage lenders assess applications holistically, considering business performance, trading history, property type, and personal credit history. While a strong credit profile helps secure better rates, we work with specialist lenders who consider applications from businesses with adverse credit or complex financial circumstances.

Our Lender Panel